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Author:Wiersch, Ann Marie 

Discussion Paper
The Pandemic’s Effects on Women-Owned Small Firms: Findings from the Small Business Credit Survey

the fourth concludes that businesses owned by women, and, in particular, by Black women, faced more financial and operational challenges during the pandemic and were less likely to receive financing than men-owned businesses.
Consumer & Community Context

Report
Uncertain Terms: What Small Business Borrowers Find When Browsing Online Lender Websites

This report discusses findings of a study conducted by the Federal Reserve Board and the Federal Reserve Bank of Cleveland to assess the information presented to prospective borrowers on small business online lender websites.
Reports and Studies

Report
Browsing to Borrow: "Mom & Pop" Small Business Perspectives on Online Lenders

This report examines small business owners' perceptions of online lenders and their understanding and interpretation of the information that online lenders use to describe their credit products.
Reports and Studies

Journal Article
The Cost of College: Student Loan Debt on the Rise

Forefront , Issue Winter , Pages 10-15

Discussion Paper
Searching for Small Business Credit Online: What Prospective Borrowers Encounter on Fintech Lender Websites

This first article describes what small business owners encounter when searching for financing on the websites of online lenders.
Consumer & Community Context

Journal Article
Why small business lending isn’t what it used to be

Since the Great Recession, bank lending to small businesses has fallen significantly, and policymakers have become concerned that these businesses are not getting the credit they need. Many reasons have been suggested for the decline. Our analysis shows that it has multiple sources, which means that trying to address any single factor may be ineffective or make matters worse. Any intervention should take all of the many causes of the decline in small business lending into consideration.
Economic Commentary , Issue Aug

Report
Uncertain Terms: What Small Business Borrowers Find When Browsing Online Lender Websites

This report discusses findings of a study conducted by the Federal Reserve Board and the Federal Reserve Bank of Cleveland to assess the information presented to prospective borrowers on small business online lender websites.
Reports and Studies

Report
Browsing to Borrow: "Mom & Pop" Small Business Perspectives on Online Lenders

This report examines small business owners' perceptions of online lenders and their understanding and interpretation of the information that online lenders use to describe their credit products.
Reports and Studies

Report
Clicking for Credit: Experiences of Online Lender Applicants from the Small Business Credit Survey

This report presents findings on the experiences of small businesses seeking credit from online lenders, based on data from the 2021 Small Business Credit Survey (SBCS). According to findings, firms that apply to online lenders are more likely to be newer and have fewer employees, lower revenues, and weaker credit scores. In addition, Black- and Hispanic-owned firms are more likely than white- and Asian-owned firms to report that they applied to an online lender. Furthermore, contrary to prior SBCS findings, online-lender applicants were less likely than bank applicants to be approved for the ...
Community Development Publications

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