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Keywords:Small business 

Discussion Paper
The demand for trade credit: an investigation of motives for trade credit use by small businesses

Trade credit--credit extended by a seller who does not require immediate payment for delivery of a product--is an important source of funds for business customers. In 1987, such credit accounted for about 15 percent of the liabilities of nonfarm nonfinancial businesses in the United States, approximately the same percentage of liabilities as these firms' nonmortgage loans from banks. Trade credit apparently is especially important for small businesses: In the same year, it accounted for about 20 percent of small firms' liabilities. ; Businesses that choose to finance their purchases through ...
Staff Studies , Paper 165

Journal Article
Making microenterprise easier

Communities and Banking , Issue Sum , Pages 4-9

Working Paper
The value of relationships between small firms and their lenders

This paper investigates the impact of the relationship between a small firm and its lender on the interest rate paid by the firm. I examine detailed data on loans made by small business investment companies (SBICs) to small firms between 1986 and 1991, and my estimates imply that, other things equal, the interest rate charged by an SBIC to a new small business customer is between 40 and 50 basis points higher rate that the rate charged to a repeat customer. These results offer solid evidence that relationships between small firms and their lenders can be quite valuable.
Working Paper Series , Paper WP-99-29

Monograph
Descriptive statistics from the 1987 National Survey of small business finances

Monograph

Journal Article
How would a flat tax affect small businesses?

The U.S. Congress is considering several strategies to reform the federal income tax system. The most widely discussed strategy, a flat tax, would tax income received by businesses and individuals at the same low, flat rate. Flat tax proposals would eliminate most tax deductions and tax credits but would increase the personal exemption for individual taxpayers. While the debate continues over whether a flat tax would be fair to individual taxpayers, assessing the effect of a flat tax on economic growth and business activity is also important.> Most economists who analyze tax incentives ...
Economic Review , Volume 81 , Issue Q III , Pages 5-19

Journal Article
Fido to the rescue

Fedgazette , Volume 15 , Issue Nov , Pages 8

Journal Article
Statement to Congress, March 4, 1993(credit crunch and availability of credit for small businesses)

Federal Reserve Bulletin , Issue May

Conference Paper
Community organization and Community Reinvestment Act lending in Washington, D.C.

Proceedings , Paper 795

Conference Paper
The small business lending relationship: session B (discussion comments)

Proceedings , Paper 763

Working Paper
Federal Home Loan Bank lending to community banks: are targeted subsidies necessary?

The Gramm-Leach-Bliley Act of 1999 extended the lending authority of Federal Home Loan Banks to include advances secured by small-enterprise loans of community financial institutions. The authors examine three possible reasons for the extension of this selective credit subsidy to community banks and thrifts, including the need to subsidize community depository institutions, stabilize the Federal Home Loan Banks, and address a market failure for small enterprise loans in rural banking markets. They use two empirical models to investigate whether funding constraints affect small-business ...
Working Papers (Old Series) , Paper 0112

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