2026主街指标：小企业信贷调查的时间趋势

Trends over Time from theSmall Business Credit Survey Published March 2026 Acknowledgments Report team Jordan Manes, Federal Reserve Bank of ClevelandAnn Marie Wiersch, Federal Reserve Bank of Cleveland Please direct media inquiries to Chuck Soder atchuck.soder@clev.frb.org. Please direct inquiries about research and data in this report toHal Martin, Policy Economist and Director of the Small Business Credit Survey, athal.martin@clev.frb.org. The Small Business Credit Survey is made possible through collaboration with business and civic organizations in communities acrossthe United States. The Federal Reserve Banks thank the national, regional, and community partners who share valuable insights about Special thanks to colleagues within the Federal Reserve System, especially the community affairs officers, for their ongoing support. TheSmall Business Credit Survey is the result of the collaborative effort and input of individuals across the Federal Reserve System. Suggested citation “2026 Main Street Metrics: Trends over Time from the Small Business Credit Survey.” 2026.Small Business Credit Survey. Federal Reserve Banks. https://doi.org/10.55350/sbcs-20260323 This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International license. About the Small Business Credit The Small Business Credit Survey (SBCS) is an annual survey of firms with fewer than 500 employees. In theSBCS questionnaire, respondents are asked to report information about their business performance,financing needs, and application experiences. Responses to the SBCS provide insights on the dynamicsbehind lending trends and shed light on various segments of the small business population. The SBCS is not The SBCS has been fielded nationally since 2016,1and as such, provides information on business trends overtime. This publication summarizes time-series data for employer firms on 11 SBCS metrics. Time-series databy firm and owner demographics can be found in the accompanyingappendix fileavailable at For more Small Business Credit Survey content, visitfedsmallbusiness.org. Trends by Firm andOwner Demographics Theappendix fileaccompanying this report provides over-time data by firm and owner characteristicsin the following categories. Revenue growth, prior 12 months(% of employer firms) Employment growth, prior 12 months (% of employer firms) Revenue growth expectations, next 12 months (% of employer firms) (% of employer firms) Share of firms that used the owner’s personal funds in