Quantifying the Prospective Impact of AI-Assisted Early Intervention in U.S. Small-Business Lending: Default Avoidance, Credit-Access Preservation, and Small-Business Employment Effects Across Community Lending Portfolios
Small businesses account for 45.9% of U.S. private-sector employment and generated 88.9% of net new jobs between March 2023 and March 2024, making the health of small-business credit markets a matter of direct macroeconomic consequence, not merely a...