Prepared for the National Bankers Association Foundation team. Five documents, each answering one plain question about small-business lending: how much of it happens, where it lands in Kansas and Missouri, how this instrument would be priced and measured, how much of that lending mission-driven banks do today, and which ZIP codes are ready. Every document opens with a plain-language summary — the charts are the evidence, not the reading.
You do not need to be an analyst to use this file. Each document answers one plain question, and each one opens with a short summary in ordinary language before any chart appears. Read them in this order.
How much SBA lending has actually happened, and who got it?
Start here for the national picture — the scale, the shape and the loss history that everything else is measured against.
What does that lending look like in Kansas and Missouri?
Read second: this is the two-state footprint the initiative would actually underwrite.
How would we price this instrument, and how would we prove it worked?
Read third: this is the pricing and measurement logic behind the bond.
How much of this lending do mission-driven banks do today?
Read last: it quantifies the gap the initiative is designed to close.
Which ZIP codes should this capital go to, and why those?
Read fifth: it turns the baseline into a target list — the specific places where readiness, not business size, is the binding constraint.
What does this word mean?
A plain-language glossary of every term the documents use — and the same definitions open inline wherever a term appears.
The same five documents in detail. Each one is live: filter, sort, hover and drill into the underlying register rather than reading a static page.
Every 7(a) and 504 loan the SBA disclosed across three decades — 1.23 million approvals, geocoded to the county, resolved to the industry, and traced from origination to payoff or charge-off.
The regional cut: county-level penetration, metro concentration, sector mix and loss history across the two-state footprint the initiative underwrites.
The loss baseline and the impact baseline that together price and measure the instrument: loss emergence curves, loss drivers, guarantee structure, and the impact metrics that must be evidenced.
MDI and CDFI depositories matched into the SBA register: what the mission-lending network actually originated, nationally and in the region, and the additionality that gap implies.
Thirty thousand scored businesses across 286 ZIP codes: where SBA access is weakest, businesses are no smaller — they carry more critical gaps, score fifteen points lower, and are funded at two-thirds the rate.