State Small Business Credit Initiative

Data Definitions

• state_id

Abbreviation of state participating in SSBCI.

• state_name

Name of state participating in SSBCI.

• year_reported

Year of Annual transaction reporting.

• program_name

The name of the state’s program that Treasury approved for participation in SSBCI.

• program_type

The program types or program type corresponding to the SSBCI-approved program.

• unique_id

An alphanumeric or numeric code that is unique to each transaction in the state.

• disbursement_date

The date of the loan/line of credit or investment closing.

• loan_investment_amount

The principal amount of the loan or investment supported with SSBCI funds. This amount does 

not include any subsequent private financing associated with the loan or investment and any 

private financing associated with, but separate from, the SSBCI-supported loan or investment.

• ssbci_original_funds

SSBCI original funds expended. For CAP programs, this is the amount paid out of SSBCI funds to 

cover the Approved State Program's contribution to the CAP reserve fund. For Loan 

Participation or 'direct lending programs', this is the amoutn paid out of SSBCI dollars, of the 

Approved State Program’s participation in the loan. If the deal is structured as two companion 

loans - one from the private sector, and one (upon which private sector financing is contingent) 

from the Approved State Program - then it is the value of the SSBCI-supported companion loan. 

For Loan Guarantee programs, this is the amount, paid for out of SSBCI dollars, actually set aside 

to cover the guarantee obligation. For Collateral Support programs, this is the amount set aside 

to cover the collateral support obligation. For VC programs, this is the amount invested by staterun venture capital program, or a fund in which the state-run venture capital program has 

invested, using SSBCI funds.

• nonprivate_amount

The amount of any public subsidy associated with the enrolled loan or investment that is from 

any source other than SSBCI.
• concurrent_private_financing

The amount of any private financing associated with, but separate from, the enrolled loan or 

SSBCI-supported investment.

• borrower_insurance_premium

Required only for CAP programs. This is the amount paid by the borrower to cover the 

borrower’s contribution to the CAP reserve fund.

• lender_insurance_premium

Required only for CAP programs. This is the amount paid by the lender to cover the lender’s 

contribution to the CAP reserve fund.

• guaranteed_amount

Required only for Loan Guarantee programs. This is the full value of the loan guarantee.

• collateral_support

Required only for Collateral Support programs. This is the full amount of the collateral support 

obligation.

• ssbci_recycled_funds

The funds used for this loan or investment that came to the state in the form of program 

income, interest earned, or principal repayments and funds that have been previously loaned or 

invested.

• subsequent_private_financing

The total amount of private financing received after closing that is caused by, or resulting from, 

the initial SSBCI-supported financing. Applicable only to loan participation and venture capital 

programs.

• census_tract

The census tract of the eligible small business receiving the SSBCI loan or investment.

• zip_code

The 5-digit zip code of the eligible small business receiving the SSBCI loan or investment.

• metro_type

The “metro”/ “non-metro” designation of the county of investment as defined by the Office of 

Management and Budget (OMB) based on the 2010 Census Survey. Counties containing a core 

urban area of 50,000 or more in population are designated as metropolitan (“metro”), and all 

other counties (micropolitan or rural) as non-metropolitan (“non-metro”).

• LMI_type

LMI indicates census tracts that fall in the “Low and Moderate Income” categorizations, base on 

the 2010 Census Bureau's 5-year American Community Survey. "Low income” households earn 

less than 50 percent of area median income. “Moderate income” households earn between 50 

percent and 80 percent of area median income. Non-LMI indicates an income level greater than 

80% of the area median income.
• revenue

The borrower’s/investee’s annual revenues for the most recent fiscal year as of the reporting 

year end.

• full_time_employees

The borrower’s/investee’s Full Time Equivalent employees, rounded to the nearest whole 

number, at the time of loan or investment closing.

• naics_code

The 2012 North American Industry Classification System (NAICS) codes for the 

borrower’s/investee’s industry.

• year_incorporated

The year the business was incorporated. If the business had not been incorporated, this is the 

year the business opened.

• jobs_created

The number of new Full-Time Equivalent jobs expected to be created as a direct result of the 

loan or investment. These jobs must be expected to materialize in no more than 2 years from 

the date of the loan or investment closing.

• jobs_retained

The number of Full-Time Equivalent (FTE) jobs retained as a direct result of the loan or 

investment. For all start-up companies receiving SSBCI investments, this must be zero.

• trans_type

Indicates whether the transaction is a loan or investment.

• lender_name

The name of the private lending institution or lender making the loan that is guaranteed, 

insured, or otherwise enhanced with SSBCI funds. If the state is making a companion loan using 

SSBCI funds, the state enters the name of the private lender making the private companion loan 

to the borrower as part of the same transaction. For approved venture capital programs, states 

are not required to report the names of investors and venture capital firms providing the private 

capital at risk in the investment.

• lender_ein

The lender’s entity identification number (EIN) or tax ID number. This data field is not applicable 

to approved state-run venture capital programs.

• lender_regulatory_id

The is the lender’s regulatory ID number: CDFI#### - For certified CDFIs, FDIC#### - For FDIC 

regulated institutions, NCUA#### - For NCUA regulated institutions, OTHER - For non-financial 
lenders or other lenders whose regulatory IDs are not known (This data field is not applicable to 

venture capital programs.)

• lender_type

Indicates whether the lender is a Bank, Credit Union, or Other type of lending institution.

• lender_type_category

Indicates whether the lender is a Bank or Thrift, Credit Union, Depository Institution Holding 

Company, Loan Fund, Venture Capital Fund, or Other type of lending institution.

• CDFI_type

Indicates whether the lender is a Community development financial institutions certified by the 

Community Development Financial Institutions Fund (CDFI Fund) at the U.S. Department of the 

Treasury.

• MDI_type

Indicates whether the lender is a Minority Depository Institution.

• VC_cat

Indicates the VC program strategy for the investment, select from: State Sponsored Entity (SSE), 

Fund, Co-Investment Model, or State Agency.

• optional_woman_owned

Women-owned business is a business concern that is at least 51 percent owned by one of more 

women; or, in the case of any publicly owned business, at least 51 percent of the stock of which 

is owned by one or more women; and whose management and daily business operations are 

controlled by one or more women.

• optional_minority_owned

Minority-owned business is a business concern that is at least 51 percent owned by one or more 

(in combination) of the following ethnic minorities: Black Americans, Hispanic Americans, Native 

Americans, Asian Pacific Americans, and Sub Continent Asian American; or, in the case of any 

publicly owned business, at least 51 percent of the stock of which is owned by one or more 

ethnic minority; and whose management and daily business operations are controlled by one or 

more ethnic minority.

• optional_veteran_owned

Veteran-owned business concern is a business concern that is at least 51 percent owned by one 

or more veterans, or in the case of any publicly owned business, at least 51 percent of the stock 

of which is owned by one or more veterans; the management and daily business operations of 

which are controlled by one or more veterans. All service-disabled veteran-owned business 

concerns are also, by definition, veteran-owned business concerns. Veteran is a person who 

served on active duty with the U.S. Army, Air Force, Navy, Marine Corps or Coast Guard, for any 

length of time and at any place and who was discharged or released under conditions other than 
dishonorable. Reservists or members of the National Guard called to Federal active duty or 

disabled from a disease or injury incurred or aggravated in line of duty while in training status 

also qualify as a veteran.

• optional_FTE

The borrower’s/investee’s Full Time Equivalent employees, rounded to the nearest whole 

number, verified by the Participating State’s operating entity.

• optional_FTE_yr_confirmed

Enter the year at which the Participating State’s operating entity last verified the 

borrower/investee reported number of FTEs.

• optional_primary_use_of_funds

The primary purpose the financing was used for by the borrower/investee: wages, working 

capital and professional services; Purchase equipment; fund construction costs; purchase real 

estate; or refinance.

• optional_revenue

Dollar amount of gross annual revenues from most recent fiscal year, verified by the 

Participating State’s operating entity.

• optional_revenue_yr_confirmed

The year at which the Participating State’s operating entity last verified the borrower/investee 

gross annual revenues.

• optional_active

Yes/no indicator as to whether the business was actively operating as of 12/31/2017. If no, 

select explanation in the column identified as “Explanation for it ‘no'". If unknown, please 

explain in column identified as “Explanation for if ‘unknown'".

• optional_active_no

Indicates the explanation if the answer to “Business actively operating as of 12/31/2016” is 

“no”: Loss, Bankrupt, Moved, Sold, Exit.

• optional_active_unknown

Indicates the explanation if the answer to “Business actively operating as of 12/31/2016 is 

“unknown”. Attempted to confirm operations, but unable. Did not attempt to confirm 

operations.

• optional_dollars_lost

The dollar amount of SSBCI funds that were lost.

• optional_business_EIN

The Employer Identification Number (EIN) of the business receiving SSBCI financing.
• optional_business_name

The name of the business receiving SSBCI financing.

• optional_business_street_address

The street address of the business receiving SSBCI financing.

• optional_business_city

The city of the business receiving SSBCI financing.

• optional_business_state

The state of the business receiving SSBCI financing.

• optional_coinvestment_source

Indicates the primary source of co-investment for VC investments: Angel, In-state VC fund, Outof-state VC fund, Bank or Financial Institution.

• optional_stage

Indicates the company stage at the time of the transaction date for VC investments: Pre-seed, 

Seed, Early Stage, Growth, Mezzanine.