LIVE SESSION

The surface of SMB lending looks healthier in Q1 2026. The cost structure underneath it tells a different story.

June 25, 2026 | 1 PM ET

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SMB

Transaction-level data from 254,812 small business loan applicants shows improving stress indicators sitting alongside payroll burden at a two-year high, fixed obligation costs climbing quarter-over-quarter and insurance coverage falling for six consecutive quarters. David Snitkof, General Manager of SMB at Ocrolus, and Patrick Shubert, Head of Data Science at Ocrolus, will walk through both parts of the State of SMB Lending Q1 2026 series — the operational view and the financial lookback — and explain what the data signals for lenders making credit decisions in the second half of the year.

What you'll learn:

How to read the gap between improving overdraft and NSF rates and rising payroll burden, fixed obligations and a 16.5% year-over-year decline in insurance coverage

Why operating margins crossed into negative territory for the first time in nine quarters — and what the seasonal context means for Q2

How DSCR dropped from 0.62x to 0.34x in two quarters, and what that velocity signals about debt-service risk heading into the second half of 2026

Which industry segments — including Full-Service Restaurants, Roofing Contractors and General Automotive Repair — carry the sharpest cost and coverage pressure in the current data

How transaction-level bank account data provides earlier and more specific signals than credit bureau or survey-based market commentary

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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 quarter over quarter
  • 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 operational and financial context behind the applications they review
  • Ocrolus Live SessionRisk and portfolio managers tracking overdraft patterns, cash flow trends and obligation coverage 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.