LIVE SESSION

State of SMB lending: reading the signals mid-2026

Sept. 23, 2026 | 1 PM ET

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SMB

Aggregate SMB data tells you how the market is performing. It doesn’t tell you how your borrowers are performing.

While a broad market read on the SMB lending space is helpful, it is not a replacement for understanding the lending conditions within each sector individually. A look at the data in aggregate may reveal that the conditions for small and medium-sized businesses is relatively stable, but a closer look at each sector may reveal differences in performance and credit feasibility. Both David Snitkof, the General Manager of SMB lending at Ocrolus, and Patrick Shubert, the Head of Data Science at Ocrolus, will discuss the findings of the latest State of SMB Lending report and the implications it has for the rest of 2026.

What you'll learn:

Why broad SMB market data is incomplete without segment-level cuts — and which dimensions reveal the most decision-relevant signal

How the picture changes when you look at revenue composition, expense burden and obligation coverage within specific cohorts rather than across the full applicant pool

What application behavior varies by segment, including inquiry patterns and multi-lender shopping activity, and what that tells lenders about intent and pipeline quality

Where fraud signals are concentrated when the data is cut at the right level of specificity — behaviors that aggregate reads obscure

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Who should attend:

  • Ocrolus Live SessionLending executives and business leaders benchmarking their borrower base against broader SMB application trends and tracking how conditions are shifting sector by sector
  • Ocrolus Live SessionProduct and strategy leaders building or refining underwriting criteria and risk frameworks for small business credit
  • Ocrolus Live SessionUnderwriting and credit teams who want industry-specific operational and financial context behind the applications they review
  • Ocrolus Live SessionRisk and portfolio managers tracking cash flow trends, obligation coverage and fraud signal concentration across their SMB book

The session will last 30 minutes and include live audience Q&A.

Register now to secure your spot and receive the recording if you can’t attend live.
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