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Keywords:Small business - Finance 

Working Paper
The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk

The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest U.S. banking organizations. This paper addresses a number of deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending, primarily by community banks. The survey evidence suggests that the use of credit scores in small business ...
FRB Atlanta Working Paper , Paper 2009-09

Conference Paper
Borrower-lender distance, credit scoring, and the performance of small business loans

Proceedings , Paper 1002

Journal Article
The power to move

Public/private partnership allows auto shop owner to expand (San Antonio)
Banking and Community Perspectives , Issue 2 , Pages 1-3

Working Paper
Distance still matters: the information revolution in small business lending and the persistent role of location, 1993-2003

In a seminal article on small business lending, Petersen & Rajan (2002) argue that technological changes have revolutionized small business lending markets, weakening the reliance of small businesses on local lenders and increasing geographic distances between firms and their credit suppliers. While their data only cover through 1993, they conjecture that the pace of change accelerated after 1993. Using the 1993, 1998, and 2003 Surveys of Small Business Finances (SSBFs), we test whether the distance changes identified by Petersen and Rajan continued or accelerated during the following decade. ...
Finance and Economics Discussion Series , Paper 2010-08

Journal Article
For underserved areas, borrower-lender distance increasing

In recent years, the distance between bank lenders and their small business borrowers has increased, and today borrowers in historically underserved areas are farther away from their lenders, Atlanta Fed research shows.
Financial Update , Volume 20 , Issue 3

Journal Article
Addressing the financing needs of small businesses in the Seventh Federal Reserve District

Addressing the Financing Needs of Small Businesses is a Federal Reserve System initiative designed to inform policymakers on the issues that restrict the flow of credit and opportunities to improve the flow of credit to small businesses. A widely held view among policymakers and other observers is that economic recovery and prospects for job growth will falter if small businesses cannot meet payroll, pay suppliers and invest in innovation and expansion. ; As part of this national initiative, the Community Development division of the Federal Reserve Bank of Chicago held meetings in Davenport, ...
Profitwise , Issue Dec , Pages 2-22

Journal Article
The demographics of decline in small-business lending

Outstanding loan volume at commercial banks declined 2.2 percent between June 2008 and June 2009.
Central Banker , Issue Spring

Journal Article
CDFIs and banks: addressing the financing needs of small businesses

The Chicago Fed has had a longstanding interest in the work of community development financial institutions (CDFI) and the evolution of the development finance industry. In this edition of Profitwise News and Views, we provide overviews of two conferences that addressed ways the industry is changing, organizing, and increasing its impact. In Milwaukee, CDFIs from across Wisconsin met in December to consider forming a statewide association, and to hear ideas about shared resources and collaboration from both researchers and practitioners. In Chicago, staff from the Reserve Bank and Board of ...
Profitwise , Issue Jul , Pages 2-12

Working Paper
Small-firm credit markets, SBA-guaranteed lending, and economic performance in low-income areas

SBA guaranteed-lending programs are one of many government-sponsored market interventions aimed at promoting small business. The rationale for providing SBA loan guarantees is often based on the argument that they reduce credit rationing in low-income markets for small business loans. In this paper we empirically test whether SBA-guaranteed lending has a greater impact on economic performance in low-income markets. Using local labor market employment rates as our measure of economic> performance, we find evidence consistent with this proposition. In particular, we find a positive and ...
Working Papers (Old Series) , Paper 0601

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