Open access
Sep 2026
Machine Learning in Small Business Finance: SBA Loan Default Prediction with XGBoost and Explainable AI
This study advances small business credit risk assessment by comparing traditional statistical models with advanced machine learning (ML) techniques, using a publicly available data set of 89,621 U.S. Small Business Administration (SBA)-backed loans. The analysis compares logistic regression, decision tree and extreme...
Ilker Cingillioglu, Amarjeet Mohanty, Kristina Qiu et al.
· Global Business Review · 0 citations