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This quantitative study examines how macroeconomic indicators, GDP growth, unemployment, inflation, and interest rates, influence small business lending patterns in the United States from 2020 to 2025. Using secondary, time-series data from the Federal Reserve Economic Data (FRED) and the Survey of Consumer Finances (SCF), the research investigates the predictive relationships between national economic performance and credit access for small enterprises. The study is grounded in Keynesian Economic Theory and Financial Intermediation Theory, providing a dual framework for understanding both macroeconomic forces and institutional lending behavior. Findings are expected to contribute to economic policy development and enhance lending strategies that promote small business resilience during periods of economic change.