# PPP Loan Finder API - 11M US SMBs + Enrichment (`makework36/ppp-loan-finder`) Actor

Search 11M+ US small businesses that received COVID PPP loans (SBA data). Filter by state, name, industry, amount. Optional website & email enrichment.

- **URL**: https://apify.com/makework36/ppp-loan-finder.md
- **Developed by:** [deusex machine](https://apify.com/makework36) (community)
- **Categories:** Lead generation, AI
- **Features:** Limited permissions
- **Stats:** 11 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

Pay per usage

This Actor is paid per platform usage. The Actor is free to use, and you only pay for the Apify platform usage, which gets cheaper the higher subscription plan you have.

Learn more: https://docs.apify.com/actors/running/actors-in-store.md#pay-per-usage

## What's an Apify Actor?

An Actor is a serverless cloud program that runs on the Apify platform. It has two run modes.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.

Apify vocabulary and the platform model are defined once, in the agent quickstart at https://apify.com/agents.md.

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.

Do not guess an integration path. Every one of them is in the agent quickstart at https://apify.com/agents.md: the Apify MCP server, Agent Skills with the Apify CLI, the JavaScript and Python clients, the REST API, and the account-free path for an agent with no human to sign in. It also carries the rule on stating cost before the first paid run.

For examples already wired to this Actor's own input schema, see the [API](#api) section below.

Each client library has reference documentation the quickstart does not restate: [JavaScript/TypeScript](https://docs.apify.com/api/client/js/docs.md) (`npm install apify-client`) and [Python](https://docs.apify.com/api/client/python/docs.md) (`pip install apify-client`).

# README

## PPP Loan Finder API — 11M US SMBs + Enrichment

Search the public **SBA Paycheck Protection Program (PPP)** loan database — over **11 million U.S. small businesses** that received COVID-era loans — and turn it into a clean, queryable lead list. Filter by state, company name, industry (NAICS), business type, city or loan amount. Optionally enrich every borrower with a website, LinkedIn, Facebook and secondary emails.

This actor is the fastest path from "I need a list of small business owners in the US" to a fully-enriched CSV of real, verified companies — with phone-quality data quality, free SBA-FOIA provenance, and no proprietary signup wall.

If you have searched for **PPP loan database**, **PPP loan lookup by name free**, **PPP loan list by state**, **PPP recipients by zip code**, **PPP loan search by name**, or **small business email list**, this is the actor. Same data that powers ProPublica's PPP search, Federal Pay, USA Today's PPP database — but exposed as an API you can run on a schedule and export to CSV.

> 💡 The SBA PPP dataset is the largest open dataset of U.S. SMBs that exists. Every funded loan was published under FOIA. This actor wraps it as a real lead-gen tool.

***

### ✨ Why use this scraper

- **~11M US small business records** — every borrower the SBA published under FOIA after the Paycheck Protection Program ended
- **Two tiers** — loans **over $150K** (~1M big borrowers, full address) and **$150K and under** (~10M small borrowers)
- **Real filters** — state, NAICS industry prefix, business type, city, loan amount range, name substring
- **Demographics included** — race, ethnicity, gender, veteran status, nonprofit flag, rural / urban, HUBZone
- **Servicing + originating lender** — which bank handled the loan (key signal for fintech / banking outbound)
- **Forgiveness info** — forgiveness amount + date when published
- **Web enrichment** — per borrower, find a website, LinkedIn, Facebook, secondary emails via SERP
- **No signup, no API key** — runs against the public-domain SBA dataset
- **Outputs** — Apify Dataset → CSV, JSON, Excel, XML, RSS, HTML

Built for B2B SDRs targeting US SMBs, fintech and lender outbound, payroll / insurance / SaaS vendors, agencies running local-business prospecting, market analysts sizing industries, and journalists / researchers auditing the program.

***

### 📤 Output fields

| Field | Description |
| --- | --- |
| `loanNumber` | SBA loan number |
| `dateApproved` | Loan approval date |
| `status` | Current loan status (Paid in Full, Charged Off, Exemption 4, …) |
| `statusDate` | Last status update date |
| `borrowerName` | Business legal name |
| `borrowerAddress` | Street address (large tier only) |
| `borrowerCity` | City |
| `borrowerState` | 2-letter state code |
| `borrowerZip` | ZIP code |
| `initialApprovalAmount` | Original loan amount (USD) |
| `currentApprovalAmount` | Current loan amount after revisions |
| `term` | Loan term in months |
| `forgivenessAmount` | Amount forgiven (USD), `null` if not forgiven |
| `forgivenessDate` | Forgiveness date |
| `jobsReported` | Self-reported jobs at application |
| `naicsCode` | NAICS industry code (6 digits) |
| `naicsCategory` | NAICS top-level sector |
| `businessType` | Legal entity (Corporation, LLC, Sole Proprietorship, …) |
| `businessAgeDescription` | Existing > 2 years / New / Existing > 5 years … |
| `franchiseName` | Franchise name if applicable |
| `ruralUrbanIndicator` | `R` rural / `U` urban |
| `hubzoneIndicator` | Whether the business is in a HUBZone |
| `lmiIndicator` | Whether the business is in a low-income area |
| `race` | Borrower race (when disclosed) |
| `ethnicity` | Hispanic / Not Hispanic / Not disclosed |
| `gender` | Female / Male / Not disclosed |
| `veteran` | Veteran / Not veteran / Not disclosed |
| `nonProfit` | Whether the business is a nonprofit |
| `servicingLenderName` | Lender currently servicing the loan |
| `servicingLenderCity` | Servicing lender city |
| `servicingLenderState` | Servicing lender state |
| `originatingLender` | Lender that originated the loan |
| `originatingLenderCity` | Originating lender city |
| `originatingLenderState` | Originating lender state |
| `enrichment.website` | Borrower website (optional) |
| `enrichment.linkedin` | Borrower LinkedIn page (optional) |
| `enrichment.facebook` | Borrower Facebook page (optional) |
| `enrichment.emails` | Secondary emails found via SERP (optional) |
| `enrichment.phone` | Phone number(s) found on the website (optional) |
| `sourceUrl` | Direct link to the SBA record |

***

### 🎯 Loan size tiers

The SBA published PPP loans in two slices because the volume is enormous. Pick the tier that matches your prospecting.

#### `large` — Loans over $150K (~1M records, fastest)

These are the bigger SMBs (10–500 employees typically). Address is included. Best for B2B outbound where deal size > $1K ACV.

```json
{
  "tier": "large",
  "state": "TX",
  "naicsCode": "23",
  "minLoanAmount": 200000,
  "maxLoanAmount": 1000000,
  "maxResults": 500,
  "enrichWithGoogle": true,
  "enrichLimit": 200
}
```

#### `small` — Loans $150K and under (~10M records, state required)

These are the very small businesses: solo operators, contractors, micro-businesses. **State is required** for this tier because otherwise the dataset is too large to scan in a single run.

```json
{
  "tier": "small",
  "state": "FL",
  "city": "Miami",
  "businessType": "LLC",
  "minLoanAmount": 20000,
  "maxResults": 1000
}
```

#### `all` — Both tiers (state required)

For when you need a complete SMB inventory in a given state.

```json
{
  "tier": "all",
  "state": "CA",
  "naicsCode": "72",
  "maxResults": 5000
}
```

***

### 🎯 Use cases

This PPP Loan Finder is built for **B2B lead generation, fintech outbound, agency prospecting, and journalism / research** on the U.S. small-business landscape.

- **B2B SDR prospecting against US SMBs** — payroll, accounting, insurance, HR-tech, POS, fintech, ecom-tools, agency services. The SBA dataset is the cleanest national list of real, registered SMBs by industry
- **Small business email list** — combine `enrichWithGoogle: true` with an industry + state filter to build a verified, opt-in-able outreach list (emails come from the borrower's own public website / LinkedIn)
- **Lender refinancing / alternative financing outbound** — pull every SMB whose PPP loan is still active or recently paid off; offer SBA 7(a), invoice factoring, lines of credit
- **Local SEO and digital-agency lead-gen** — small businesses in a city without a website are the highest-converting market for "we build websites" agencies. Filter by `state` + `city`, then look for borrowers where `enrichment.website` is `null`
- **Insurance prospecting** — commercial liability, workers' comp, cyber. Combine `jobsReported >= 5` + industry filter
- **Real estate / commercial leasing** — find borrowers in a market that may need bigger office or warehouse space (use `jobsReported` and `currentApprovalAmount` as growth signals)
- **CRM enrichment** — match existing accounts on company name + state to pull NAICS, jobs, and lender data
- **Market sizing by industry / region** — count PPP recipients by NAICS and state to estimate the actual operating SMB count in a market
- **List of small business owners in US** — the SBA published the borrower legal name on every funded loan. This is the most exhaustive list that exists, free and FOIA-clean
- **Bank competitive intelligence** — see which banks (servicing + originating lenders) own the SMB relationships in your geography. Use this to target bank reps for partnership deals
- **Journalism / academic research** — audit PPP fraud, demographic disparities, industry concentration. Every record is public-domain

***

### 💻 Code examples

```json
{
  "loanNumber": "1234567890",
  "dateApproved": "2021-02-19",
  "status": "Paid in Full",
  "borrowerName": "Lone Star Construction LLC",
  "borrowerAddress": "1500 Main St",
  "borrowerCity": "Houston",
  "borrowerState": "TX",
  "borrowerZip": "77002",
  "initialApprovalAmount": 285000,
  "currentApprovalAmount": 285000,
  "term": 60,
  "forgivenessAmount": 285000,
  "forgivenessDate": "2022-05-10",
  "jobsReported": 17,
  "naicsCode": "236220",
  "naicsCategory": "Construction",
  "businessType": "Limited Liability Company(LLC)",
  "ruralUrbanIndicator": "U",
  "servicingLenderName": "Chase Bank",
  "originatingLender": "Chase Bank",
  "race": "Not Disclosed",
  "gender": "Male Owned",
  "veteran": "Non-Veteran",
  "nonProfit": false,
  "enrichment": {
    "website": "https://lonestarconstruction.com",
    "linkedin": "https://www.linkedin.com/company/lone-star-construction-tx",
    "facebook": null,
    "emails": ["info@lonestarconstruction.com", "estimating@lonestarconstruction.com"],
    "phone": "+1-713-555-0142"
  },
  "sourceUrl": "https://data.sba.gov/dataset/ppp-foia/loan/1234567890"
}
```

***

### 📊 Comparison

| Tool | Loan filters | Demographics | Web enrichment | All states | Export | Cost |
| --- | --- | --- | --- | --- | --- | --- |
| **PPP Loan Finder API** (this actor) | ✅ All fields | ✅ Race, gender, veteran | ✅ Optional | ✅ All 50 | CSV / JSON / Excel | Pay-per-event |
| ProPublica PPP | ⚠️ Limited UI | ⚠️ Partial | ❌ | ✅ | ❌ HTML only | Free, no API |
| FederalPay PPP | ⚠️ Limited UI | ❌ | ❌ | ✅ | ⚠️ Manual CSV | Free, no API |
| USA Today PPP database | ⚠️ Limited UI | ❌ | ❌ | ✅ | ❌ | Free, no API |
| SBA's own portal | ⚠️ Hard to query | ✅ | ❌ | ✅ | ⚠️ Bulk downloads | Free, raw |
| Apollo.io / ZoomInfo | ⚠️ Generic SMB | ❌ | ✅ | ✅ | ✅ | $$$ subscription |

If you only need to look up one company by name, ProPublica or FederalPay are fine. If you need a real list of US SMBs filtered by NAICS, state, loan size and enriched with website + emails, this actor is the fastest path.

***

### 📥 Input

| Parameter | Type | Default | Description |
| --- | --- | --- | --- |
| `tier` | string enum | `large` | `large` (>$150K) / `small` (≤$150K, state required) / `all` |
| `state` | string | — | 2-letter state code. Required for `small` and `all` |
| `companyNameContains` | string | — | Case-insensitive substring on `borrowerName` |
| `naicsCode` | string | — | NAICS prefix (`23` Construction, `72` Hospitality, `54` Professional services) |
| `businessType` | string | — | `Corporation`, `LLC`, `Sole Proprietorship`, … |
| `minLoanAmount` | integer | — | Minimum `initialApprovalAmount` (USD) |
| `maxLoanAmount` | integer | — | Maximum `initialApprovalAmount` (USD) |
| `city` | string | — | Case-insensitive substring on `borrowerCity` |
| `maxResults` | integer | `100` | Hard cap (1–10,000) |
| `enrichWithGoogle` | boolean | `false` | Per-borrower web enrichment (website / LinkedIn / emails) |
| `enrichLimit` | integer | `50` | Max borrowers to enrich (1–1,000) |
| `proxyConfig` | proxy | residential | Used for enrichment only |

***

### 💵 Pricing

Pay-per-event:

- **Per borrower returned** — small fee, scales linearly
- **Per enriched borrower** — only when `enrichWithGoogle: true`, capped by `enrichLimit`

A typical run pulling 500 construction companies in Texas with no enrichment costs less than a coffee. Adding enrichment to 200 of them stays well under $5 per run.

Failed requests, rate-limit backoffs and dataset-side empty pages are not charged.

***

### 🧭 Quick reference — popular NAICS prefixes

| NAICS prefix | Industry |
| --- | --- |
| `11` | Agriculture, Forestry, Fishing |
| `21` | Mining |
| `22` | Utilities |
| `23` | Construction |
| `31`–`33` | Manufacturing |
| `42` | Wholesale Trade |
| `44`–`45` | Retail Trade |
| `48`–`49` | Transportation and Warehousing |
| `51` | Information / Tech / Media |
| `52` | Finance and Insurance |
| `53` | Real Estate / Rental / Leasing |
| `54` | Professional, Scientific, Technical Services |
| `56` | Administrative / Support / Waste Management |
| `61` | Educational Services |
| `62` | Health Care and Social Assistance |
| `71` | Arts, Entertainment, Recreation |
| `72` | Accommodation and Food Services |
| `81` | Other Services (incl. repair, personal services) |

Use the 2-digit prefix for broad sweeps (`23` for all construction), or a longer prefix for finer cuts (`238` specialty trade contractors).

***

### ❓ FAQ

**Is this data real and verified?**
Yes. Every record comes from the SBA's own FOIA release of the Paycheck Protection Program. The dataset is the legal source of truth — banks and courts use it.

**Is the PPP loan database free?**
The raw SBA dataset is public-domain and free. This actor charges only for the work of filtering, enriching and delivering it as a clean stream you can use in a CRM or outbound tool.

**Is the borrower's address always present?**
For loans over $150K (`large` tier) — yes. For loans $150K and under (`small` tier) the SBA published city + state + ZIP only; the precise street address is redacted.

**Why is state required for the small tier?**
The small-tier dataset is ~10M records split across 12 huge CSV files. Filtering by state lets the actor download only the slice you need.

**Can I get phone numbers?**
The SBA does not publish phone numbers. The enrichment step will pull a phone if the borrower's public website lists one (most do).

**Can I get borrower emails?**
The SBA does not publish emails. The enrichment step pulls any emails the borrower has published on their own website, LinkedIn page, Facebook page or contact form.

**How fresh is the data?**
The SBA dataset is a snapshot of the closed-out PPP program (2020–2021 loans, with forgiveness data through 2023). The actor reads the latest published snapshot from `data.sba.gov`.

**Can I get PPP loan lookup by name free?**
Yes — set `companyNameContains` to a fragment of the borrower name. The base lookup is the same data ProPublica's PPP search uses, just exposed as an API.

**Can I get a PPP loan list by zip code?**
Set `state` + `city`. The actor returns `borrowerZip` per record, so you can post-filter by ZIP in the Dataset view.

**Does this scraper work for EIDL loans (the other COVID program)?**
Currently no — this actor focuses on PPP. EIDL has a separate dataset and a separate actor is on the roadmap.

**Is this legal to use for outbound sales?**
The dataset is public-domain. Outbound sales must still follow CAN-SPAM, TCPA, and state law. The actor does not generate or send any messages.

**Can I run this on a schedule?**
Yes — Apify Schedules supports cron expressions. Common pattern: weekly run with a fresh industry + state slice to keep your CRM warm.

**Does enrichment really find websites and emails?**
For most SMBs with a public web presence, yes. For solo proprietors with no website, enrichment returns `null`. The actor is honest about misses.

**How does this compare to Apollo / ZoomInfo?**
Apollo and ZoomInfo are great for tech companies and enterprise. For US Main-Street SMBs (plumbers, restaurants, contractors, retailers) the SBA PPP dataset is denser, cheaper, and FOIA-clean.

**Can I integrate this with Claude, Cursor, or other AI agents?**
Yes — call the actor via the Apify API from your agent, or wrap it with Apify's MCP server.

***

### 🔗 Related actors

Useful companions for B2B and SMB lead-gen workflows:

- [FMCSA Trucking API](https://apify.com/makework36/fmcsa-trucking-api) — every US trucking carrier with DOT/MC, address, fleet size + enrichment
- [NPI Registry API](https://apify.com/makework36/npi-registry-api) — every US healthcare provider with NPI, taxonomy, address + enrichment
- [Website Email & Contact Finder](https://apify.com/makework36/email-finder-scraper) — extract emails from any URL
- [Google Maps Scraper](https://apify.com/makework36/google-maps-scraper-full) — local business data + emails + phones at $1/1K
- [Facebook Ad Library Scraper](https://apify.com/makework36/facebook-adlib-scraper) — competitor ad intelligence
- [IndiaMART Suppliers Scraper](https://apify.com/makework36/indiamart-suppliers-scraper) — B2B suppliers with verified phones + GST
- [Reddit SaaS Leads Scraper](https://apify.com/makework36/reddit-leads-saas) — find startup pain points and early adopters
- [Reddit Real Estate Leads](https://apify.com/makework36/reddit-realestate-scraper) — buyers, investors, landlords
- [Shopify Products Scraper](https://apify.com/makework36/shopify-products-scraper) — any Shopify store catalog
- [Trustpilot Scraper API](https://apify.com/makework36/trustpilot-reviews-scraper) — reviews + ratings
- [Substack Scraper](https://apify.com/makework36/substack-scraper) — newsletter posts and authors
- [Lovable Sites Scraper](https://apify.com/makework36/lovable-sites-scraper) — discover `.lovable.app` apps

***

### 📝 Changelog

- **v0.1** — Initial release. Three tiers (large / small / all), 30+ fields per borrower, optional Google enrichment, all 50 states.

***

### 📞 Support

Missing a field, hit a bug, need EIDL? Open an issue or message me directly from the Apify Console. Fast turnaround for paying users.

# Actor input Schema

## `tier` (type: `string`):

Which SBA dataset to search. 'large' = loans over $150K (~1M records, fast). 'small' = loans up to $150K (~10M records, slower — uses 12 split files).

## `state` (type: `string`):

Filter by borrower state. Required for `small` and `all` tiers (otherwise the dataset is huge).

## `companyNameContains` (type: `string`):

Case-insensitive substring match on BorrowerName.

## `naicsCode` (type: `string`):

Filter by NAICS industry code (prefix match). E.g. '23' = Construction, '54' = Professional services.

## `businessType` (type: `string`):

Filter by business legal type, e.g. 'Corporation', 'LLC', 'Sole Proprietorship'.

## `minLoanAmount` (type: `integer`):

Minimum InitialApprovalAmount.

## `maxLoanAmount` (type: `integer`):

Maximum InitialApprovalAmount.

## `city` (type: `string`):

Case-insensitive substring match on BorrowerCity.

## `maxResults` (type: `integer`):

Hard cap on records to return.

## `enrichWithGoogle` (type: `boolean`):

For each borrower, find website, LinkedIn, Facebook page, and secondary emails using an internal SERP fetcher. No API key required.

## `enrichLimit` (type: `integer`):

Max number of borrowers to enrich.

## `proxyConfig` (type: `object`):

Apify proxy. Only used during enrichment, not for the SBA CSV download.

## Actor input object example

```json
{
  "tier": "large",
  "maxResults": 100,
  "enrichWithGoogle": false,
  "enrichLimit": 50,
  "proxyConfig": {
    "useApifyProxy": true,
    "apifyProxyGroups": [
      "RESIDENTIAL"
    ]
  }
}
```

# Actor output Schema

## `loans` (type: `string`):

No description

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {};

// Run the Actor and wait for it to finish
const run = await client.actor("makework36/ppp-loan-finder").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = {}

# Run the Actor and wait for it to finish
run = client.actor("makework36/ppp-loan-finder").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print(f"💾 Check your data here: https://console.apify.com/storage/datasets/{run.default_dataset_id}")
for item in client.dataset(run.default_dataset_id).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{}' |
apify call makework36/ppp-loan-finder --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "type": "http",
            "url": "https://mcp.apify.com/?tools=fetch-actor-details,makework36/ppp-loan-finder"
        }
    }
}
```

The hosted server signs you in with OAuth on first connect, so no API token belongs in this config. Clients without OAuth support can send an `Authorization: Bearer <APIFY_API_TOKEN>` header instead, using a token from API & Integrations in Apify Console (https://console.apify.com/settings/integrations).

## OpenAPI specification

Download the OpenAPI definition: https://api.apify.com/v2/actors/uEcH3huzidccovgDj/builds/3jabNa5FdWMTIa2zz/openapi.json