State of SMB lending: reading the signals in Q1 2026

Watch on demand: State of SMB lending: reading the signals in Q1 2026

Missed the Live Session? David Snitkof, General Manager of SMB at Ocrolus, and Patrick Shubert, Head of Data Science at Ocrolus, walked through transaction-level findings from 254,812 SMB loan applicants in Q1 2026 — the full operational picture and the financial lookback. Watch the replay to understand where borrower health genuinely improved, where structural cost pressure is building and what the data signals for the second half of 2026.

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

Watch the replay