82.6% of Completed Small Business Financing Applications Qualified on ClearValue Lending's Platform
Among the 1,465 applications on ClearValue Lending's legacy platform that were fully submitted and evaluated by the qualification engine — excluding 21,873 applications (93.7% of all records) that were started as drafts and never submitted — 1,210 qualified, for an 82.6% qualification rate. This is a rate among applicants who completed submission, not among everyone who ever opened the application form.
Qualification rate varied meaningfully by industry, entity type, and state — see the full breakdown in the SMB Financing Data Report. The larger opportunity for most small businesses may be finishing the application rather than clearing the underwriting bar: fewer than 1 in 15 applicants who started a form completed it in this dataset.
This data point is part of ClearValue Lending SMB Financing Data Report 2026, ClearValue Lending's data report.
Read the full ClearValue Lending SMB Financing Data Report 2026 report →More Data Points
- 24.2 pts Spread between the highest- and lowest-qualifying published industries
- $75,000 Median requested financing amount
- 1.25 / 1.30 Median buy rate / sell rate (factor rate)
- 29.1% Of coded decline reasons cited insufficient revenue
- 913 Applicants citing working capital as their intended use of funds
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https://clearvaluelending.com/reports/stats/smb-loan-qualification-rate-2026