State of SMB lending: reading the signals mid-2026

Watch on demand: State of SMB lending: reading the signals mid-2026

Missed the live session? David Snitkof, General Manager of SMB at Ocrolus, and Patrick Shubert, Head of Data Science at Ocrolus, walked through the State of SMB Lending mid-2026 findings with a single organizing argument: broad market data tells you how SMB lending is performing in aggregate. It doesn't tell you how your borrowers are performing. Watch the replay to see how transaction-level data from 254,812 SMB applicants looks different — and more useful — when cut across industries, geographies and borrower segments rather than reported as market-level averages.

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

Watch the replay now.