CBA, SBFE Small Business Lending Data Reflects Impact Of Economic Uncertainty In Q4 2021

The Consumer Bankers Association (CBA) and Small Business Financial Exchange (SBFE) today released the Q4 2021 Small Business Lending Trends analysis,examining key credit information for America’s small businesses. The report found even as traditional metrics slowly return to a more “normal state,” supply chain disruptions, labor shortages, and historic levels of inflation continue to negatively impact an already restrained small business ecosystem.    

Key findings from the analysis, which examined data from Q4 2021, include:

  • Delinquency increased slightly for most account types in the most recent quarter.
  • Credit utilization continued to increase slightly from the low point in March 2021, but remains far below pre-pandemic levels.  
  • Charge-off rates declined for all account types in the quarter. Specifically, unsecured account types have leveled off after higher losses seen at the height of the pandemic.  

A full copy of the analysis is available HERE.

The CBA-SBFE Small Business Lending Trends analysis offers quarterly data on delinquencies, credit utilization and credit utilization by account type, and charge-off rates. In addition to the data, the analysis offers a brief breakdown of each data set.

The data used to compile the analysis includes information collected from SBFE members on small businesses and their payment performance on commercial credit accounts.