How to read these records

Which employers

Six tests, all from the SBA's 7(a) and 504 loan files: the loan status is “Charged Off”; the charge-off date is in 2019 or later; the lender reported 50 jobs or more supported by the loan; the borrower is a corporation, LLC or partnership — not an individual; its name carries a company word (Inc, LLC, Corp, Company…) and is not a professional corporation (PC, PA, PLLC), so that no person's name is published; and it is not in health care, social assistance or education (NAICS 61 and 62). A business with two loans appears once, with the larger number of jobs. A business already listed on the PPP site is not repeated here.

What “charged off” means

The SBA wrote the loan off as a loss after the borrower stopped paying and collection ended. It is often the sign of a business that closed or went bankrupt — but not always: some were sold or restructured.

Jobs supported

The jobs created plus the jobs retained, as estimated by the lender on the loan application. The SBA says it does not review, audit or validate these numbers. It is not today's headcount, and not necessarily the peak.

Record ID

The SBA file carries no public loan number. The record ID is built by this site from the program, the borrower's name and ZIP code and the approval date; it is stable from one update to the next, but it is not an SBA number.

What is not here

Any amount. Street addresses: only the city and state. The lender's name. Owners' names. Individuals and sole proprietors. Loans charged off before 2019.