Small Business Loan Risk Inputs

This dataset provides detailed records of small business loan applications, approvals, and repayment performance, including business and owner profiles, financials, collateral, and loan lifecycle events. It is ideal for developing and validating credit scoring models, SME risk assessment, and portfolio monitoring in lending institutions.

  • last updated 12 Jul 2025
  • by GoMask
The brief that made it

Credit scoring model development for SME lending

Sample rows

preview · 8 of 200 rows · all 33 columns
loan_idstringapplication_statusstringowner_credit_scoreintegerdelinquency_flagbooleanbusiness_industrystringapplication_datedatebusiness_idstringbusiness_namestringbusiness_year_establishedintegerbusiness_annual_revenuefloatbusiness_num_employeesintegerbusiness_address_streetstringbusiness_address_citystringbusiness_address_statestringbusiness_address_postal_codestringbusiness_address_countrystringowner_idstringowner_namestringowner_birth_datedateloan_amount_requestedfloatloan_term_monthsintegerloan_purposestringcollateral_typestringcollateral_valuefloatdecision_datedateloan_amount_approvedfloatinterest_ratefloatfunded_datedaterepaid_datedatedefault_datedatecurrent_outstanding_balancefloatnum_payments_madeintegernum_payments_missedinteger
LN0001Approved684blankRetail2023-03-14BIZ10001Blueberry Retail Shop201629200081157 Oakridge AveColumbusOH43215USAOWN20001Andrea Lopez1983-04-073500036Working CapitalNoneblank2023-03-19320007.9blankblankblankblankblankblank
LN0002Pending713blankTechnology2022-11-20BIZ10002BrightCore Technologies20185100051620 Market StDenverCO80202USAOWN20002Samuel King1991-09-171700024Startup CapitalNoneblankblankblankblankblankblankblankblankblankblank
LN0003Funded660falseServices2023-01-12BIZ10003Treeline Services LLC201541000013782 Willow DrPhoenixAZ85016USAOWN20003Megan O'Neil1978-12-116000048ExpansionInventory420002023-01-22560008.12023-02-03blankblank41000131
LN0004Approved622blankFood & Beverage2021-07-19BIZ10004Tabletop Bistro2011256000143001 Vine StCincinnatiOH45219USAOWN20004Michael Chen1975-06-234000036RenovationNoneblank2021-07-26330009.3blankblankblankblankblankblank
LN0005Funded773falseTransportation2022-06-03BIZ10005Watermark Logistics20053200000462020 Grand AveNashvilleTN37212USAOWN20005Ebony Wallace1966-10-301200000120Fleet Upgrade/ExpansionVehicles8000002022-06-1110000004.82022-06-22blankblank75000080
LN0006Repaid822falseManufacturing2021-10-10BIZ10006Aspen Manufacturing Co19875050000953126 Industrial BlvdChicagoIL60616USAOWN20006Randy Foster1959-03-182000000180Equipment PurchaseEquipment13000002021-10-1820000003.92021-10-272023-03-17blank0200
LN0007Rejected478blankArts & Crafts2022-04-13BIZ10007Pineview Arts & Crafts194921000219 Elm StMontpelierVT05602USAOWN20007Edith Carlson1954-02-08750012SuppliesNoneblank2022-04-190blankblankblankblankblankblankblank
LN0008Defaulted577trueAgriculture2023-05-08BIZ10008Green Harvest Farm19732670008930 Country RdSalemOR97301USAOWN20008Daniel McCarthy1947-11-211400018Seed PurchaseNoneblank2023-05-161200013.72023-05-25blank2024-03-201020034

What the 200 rows show

from the 200-row sample

Rejected (application status) stands out: mean owner_credit_score is 493.7, against 705.7 for the rest.

  • 15%delinquency_flag = true
  • 701median owner_credit_score
  • 7collateral types
  • 8business address countries
  • 11loan purposes
  • 51business address states
Mean owner_credit_score by application_status200 rows
05001,000695.4Appro…77 rows493.7Rejec…17 rows690.3Pendi…21 rows754.9Funded64 rows817.8Repaid8 rows480.4Defau…13 rows
owner_credit_score200 rows, in bands of 100
04590999708419300600900owner_credit_score →

Median 701, from 301 to 880.

business_industry200 rows · top 10 of 14 values
  1. Retail28
  2. Leasing22
  3. Technology20
  4. Services19
  5. Food & Beverage18
  6. Agriculture15
  7. Media13
  8. Arts & Crafts12
  9. Construction12
  10. Transportation11
33 columns by typefrom the column list below
  • string 14
  • integer 6
  • float 6
  • date 6
  • boolean 1

Columns

33 columns in four groups
blueprint · 33 columns
columntypedescriptionexample
Text 14 columns
loan_idstringUnique identifier for each loan application and recorduniqueLN0001
business_idstringUnique identifier for the small business applicantBIZ10001
business_namestringRegistered name of the small businessBlueberry Retail Shop
business_industrystringIndustry sector of the business (e.g., Retail, Manufacturing, Services)Retail
business_address_streetstringStreet address of the business1157 Oakridge Ave
business_address_citystringCity where the business is locatedColumbus
business_address_statestringState or province where the business is locatedOH
business_address_postal_codestringPostal or ZIP code of the business location43215
business_address_countrystringCountry where the business is located8 countriesUSA
owner_idstringUnique identifier for the primary business ownerOWN20001
owner_namestringFull name of the primary business ownerAndrea Lopez
loan_purposestringPurpose of the loan (e.g., Working Capital, Equipment Purchase, Expansion)11 purposesWorking Capital
collateral_typestringType of collateral offered, if any (e.g., None, Real Estate, Inventory)7 types · optionalNone
application_statusstringCurrent status of the loan application (e.g., Approved, Rejected, Pending, Funded, Repaid, Defaulted)6 valuesApproved
Numbers 12 columns
business_year_establishedintegerYear the business was established1,800 to 2,1002016
business_annual_revenuefloatAnnual revenue of the business in local currency0 or more292000
business_num_employeesintegerNumber of employees at the business1 or more8
owner_credit_scoreintegerPersonal credit score of the primary business owner (e.g., 300-850)300 to 900684
loan_amount_requestedfloatAmount of loan requested by the business in local currency0 or more35000
loan_term_monthsintegerRequested loan term in months1 or more36
collateral_valuefloatEstimated value of the collateral in local currency0 or more · optional42000
loan_amount_approvedfloatFinal loan amount approved (may be less than requested)0 or more · optional32000
interest_ratefloatAnnual interest rate applied to the loan (percentage)0 to 100 · optional7.9
current_outstanding_balancefloatCurrent outstanding balance on the loan0 or more · optional41000
num_payments_madeintegerNumber of payments made towards the loan0 or more · optional13
num_payments_missedintegerNumber of missed or late payments0 or more · optional1
Dates and times 6 columns
application_datedateDate when the loan application was submitted2023-03-14
owner_birth_datedateBirth date of the primary business owner1983-04-07
decision_datedateDate when the loan application decision was madeoptional2023-03-19
funded_datedateDate when the loan was funded/disbursedoptional2023-02-03
repaid_datedateDate when the loan was fully repaidoptional2023-03-17
default_datedateDate when the loan was marked as defaultedoptional2024-03-20
True or false 1 column
delinquency_flagbooleanIndicates if the loan is currently delinquent (true/false)optionalfalse

Use it for

  • delinquency fl…15%13 of 85 rowsmean owner credit sco…695.4Appr…493.7Reje…690.3Pend…754.9Fund…

    A finance dashboard

    The delinquency_flag rate, owner_credit_score by application_status and a breakdown of business_industry. Excel, Power BI or Tableau.

  • Why do the 17 Rejected rows have a mean owner_credit_score of 493.7?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable loans with application_date, business_id and business_name to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 33 columns, your size and your rules. See 20 rows before you pay.

Preview 20 rows free

1,000 rows: $1.99 · 10,000: $12.99One-time. No subscription. All prices

This dataset200 rows33 columns
Yours1,000 rows33 columnsbusiness_address_street: UK only

blueprint · small-business-loan-risk-inputs

Behind this dataset

Same schema. As many rows as you need.

These 200 rows came out of a blueprint — 33 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Each record: business profile, loan amount, status
  • Performance: repayment, default, late payment
  • Sector and geography encoded
  • Applicant score and collateral listed
  • Tranches and refinancing events simulated
Rows
Open the blueprint in Data Factory

1 credit per row. Preview 20 rows free. Buy rows for the full run.

Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
small-business-loan-risk-inputs

More in Finance

Browse all
Also in FinanceLoan Application Decision RecordsAccounts Receivable and Aging AnalysisLoan Default Prediction DatasetAll 1,967 datasets

What should your data show?

Preview 20 rows free
No signup. No card.