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Federal Reserve Bank of Atlanta
FRB Atlanta Working Paper
Small business credit scoring and credit availability
Allen N. Berger
W. Scott Frame

U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

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Allen N. Berger & W. Scott Frame, Small business credit scoring and credit availability, Federal Reserve Bank of Atlanta, FRB Atlanta Working Paper 2005-10, 2005.
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