license: other
license_name: tensorust-sample-license
license_link: https://tensorust.com/datasets/sba-504-refi-window/
pretty_name: SBA 504 Refinance Window (free sample)
language:
- en
tags:
- tensorust
- sample
- private-credit-and-finance
- government-data
- finance
size_categories:
- n<1K
configs:
- config_name: sample
data_files:
- split: train
path: sample.csv
- config_name: summary
data_files:
- split: train
path: summary_by_project_state.csv
SBA 504 Refinance Window: free sample (Tensorust LLC)
Active SBA 504 loans from 2010 to 2016 that are past their prepayment penalty or near maturity, with estimated balances.
Headline: 11,719 SBA 504 loans approved FY2010 to FY2016 to businesses are still active in SBA's Sep 30 2026 FOIA file.
This repository is a free teaser, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has 11,719 rows and is sold by Tensorust LLC: https://tensorust.com/datasets/sba-504-refi-window/.
Files here
| file | what it is |
|---|---|
sample.csv |
25 rows of the full file (the same sample shown on tensorust.com) |
summary_by_project_state.csv |
row counts and totals by project state across the full file, no entity names (groups with fewer than 3 rows are folded into "Other") |
Summary by project state (largest groups)
| Project state | rows | Est. remaining balance (USD) |
|---|---|---|
| CA | 1,829 | 738,948,783 |
| FL | 731 | 217,694,754 |
| IL | 723 | 229,089,002 |
| TX | 583 | 286,786,872 |
| NY | 521 | 218,729,092 |
| MN | 502 | 149,066,122 |
| MA | 493 | 126,647,876 |
| UT | 427 | 120,097,054 |
| OH | 389 | 102,166,401 |
| MI | 356 | 82,541,225 |
| IN | 328 | 82,608,858 |
| CO | 310 | 100,737,938 |
| TOTAL | 11,719 | 3,938,451,751 |
Full table: summary_by_project_state.csv.
What the full file has
- 11,719 rows
- Key fields: location_id, borrower, city, state, zip, cdc, cdc_state, first_lien_lender, first_lien_lender_state, first_lien_dollars
- Parquet and CSV, a README with sources, method and limits, and the build script
- Free 25-row sample (no personal contact data)
Coverage: Active (status EXEMPT) 504 loans approved FY2010 to FY2016 to corporations and partnerships; sole proprietors and names that read as private individuals excluded. FY2006 to FY2009 approvals are not in SBA's public FOIA file. SBA FOIA file as of Sep 30 2026
Columns in the full file
| column | meaning |
|---|---|
location_id |
SBA location id |
borrower |
Business borrower |
city |
City |
state |
State |
zip |
ZIP |
cdc |
Certified Development Company |
cdc_state |
CDC state |
first_lien_lender |
Third-party (first-lien) lender |
first_lien_lender_state |
First-lien lender state |
first_lien_dollars |
First-lien loan amount |
debenture_approved |
504 debenture gross approval |
approval_date |
Approval date |
approval_fy |
Approval fiscal year |
first_disbursement |
First disbursement date |
term_months |
Debenture term in months |
naics |
NAICS |
naics_description |
NAICS title |
franchise |
Franchise brand if any |
project_county |
Project county |
project_state |
Project state |
business_type |
Corporation or partnership |
business_age |
Business age at approval |
loan_status |
FOIA status (EXEMPT = active) |
jobs_supported |
Jobs supported |
maturity_date_est |
Estimated maturity (first disbursement plus term) |
months_elapsed |
Months since first disbursement |
months_remaining |
Months to estimated maturity |
prepay_penalty_ends_est |
Estimated end of the prepayment premium (half the term) |
prepay_penalty_free_now |
Past the prepayment premium period on Nov 6 2026 |
est_remaining_balance |
Estimated remaining debenture principal (level amortization at 4.5% a year, an assumption) |
window |
Refinance window bucket |
source |
SBA FOIA dataset page |
Get the full file
| tier | price | includes |
|---|---|---|
| Market file | $1,500 | Every active 2010 to 2016 504 loan in up to 3 states or one CDC's footprint: business, city, CDC, first-lien lender, debenture amount, term, estimated maturity, prepayment-penalty end date and estimated remaining balance. CSV and Excel. |
| National file | $5,900 | All 11,719 active business-borrower 504 loans approved FY2010 to FY2016 nationwide ($3.94B estimated remaining). |
| Yearly license | $15,000 a year | The national file refreshed each quarter from the SBA FOIA file with paid-off loans dropped, extended to FY2017 and later cohorts as they leave the prepayment period. For commercial bank and CDC business development. |
Email mattbusel@tensorust.com with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: https://tensorust.com/datasets/sba-504-refi-window/. All datasets: https://tensorust.com/datasets/
Method and limits
Filter the 504 FOIA file to active FY2010 to FY2016 business loans, estimate maturity from first disbursement plus term, the prepayment-premium end at half the term, and the remaining balance by level amortization at an assumed 4.5% debenture rate.
Not actual loan balances (SBA does not publish them; the balance is a model estimate), not a list of businesses that want to refinance, and no personal contact data: no owner names, phones or emails, no sole proprietors.
Sources
- SBA 504 FOIA loan data, FY2010 to present, as of Sep 30 2026 (data.sba.gov/dataset/7a-504-foia)
- 13 CFR 120.940 and SBA SOP 50 10 (504 debenture prepayment premium over the first half of the term)
License
The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/sba-504-refi-window/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.
Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com