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. TMS. 2026;4(2):33-44. Accessed September 13, 2026. https://yuktabpublisher.com/index.php/TMS/article/view/433