As we begin the New Year, I thought I would share some perspectives on where I think we stand in terms of access to capital and what I think will happen with small-business lending in 2013.
In part, my perspective comes from reading various reports about the state of small-business lending. These reports, however, don’t tell the whole story. For example, the Small Business Administration releases numbers that apply only to S.B.A.-backed loans. And the data that comes from the Federal Deposit Insurance Corporation about bank lending activity includes credit card loans. Meanwhile, the alternative lenders don’t release any aggregate numbers at all.
Beta. Initial Form 1-A only. Target raise is the stated Amount to be Raised, totaled. Compared with the same dates one year earlier.
YTD: Jan 1, 2026 - Nov 4, 2026 vs Jan 1, 2025 - Nov 4, 2025
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Number of Filings134Prior 129 +3.9%
Target Raise, Total$3.45BPrior $3.59B -3.8%
This YTD
Year prior
Change
Filings
134
129
+3.9%
Target raise
$3.45B
$3.59B
-3.8%
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This display counts initial Form 1-A filings only. It does not represent subsequent filings, including Form 1-A/A amendments or Form 1-A POS post-qualification updates filed by the issuer. Amounts are the stated Amount to be Raised on the initial filing, not capital raised and not amounts revised in later filings.
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