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Keywords:small business 

Journal Article
Measuring Small Business Financial Health

Throughout the Great Recession and continuing into the recovery, small businesses have played an important role in creating jobs and stabilizing communities. Stories of small business owners overcoming obstacles to provide valuable services and employment are highlighted regularly by pundits, politicians and policymakers alike. However, little attention has focused on the question of what drives the financial health of these often young, often very small businesses.
Profitwise , Issue 2 , Pages 1-9

Journal Article
What keeps small business owners up at night?

Financial Insights , Volume 3 , Issue 2 , Pages 1-4

Speech
The Impact of COVID-19 on Communities and Small Businesses

Speaking at a Fed webinar, Philadelphia Fed President Patrick Harker said small businesses, and those owned by minorities in particular, are among those most economically impacted by the COVID-19 crisis. Harker said one solution to help create a stronger small business sector could be to ensure that more small businesses and microenterprises have relationships with banks.
Speech

Journal Article
Holding Space: Underlying Real Estate Conditions for Nonprofits in the Los Angeles Region

Over the past decade, rising real estate costs have led to displacement of low-income residents and small businesses from Los Angeles’ changing neighborhoods. This trend raises questions about the long-term ability of nonprofit organizations that operate in these neighborhoods to remain in place. The recent economic downturn related to the COVID-19 pandemic makes understanding the baseline conditions that nonprofits face in the real estate market even more critical.Previous research suggests that some San Francisco Bay Area nonprofits, particularly those that rent operating space, have ...
Community Development Research Brief , Volume 2020 , Issue 04 , Pages 19

Report
The Main Street Lending Program

The Main Street Lending Program was created to support credit to small and medium-sized businesses and nonprofit organizations that were harmed by the pandemic, particularly those that were unsupported by other pandemic-response programs. It was the most direct involvement in the business loan market by the Federal Reserve since the 1930s and 1940s. Main Street operated by buying 95 percent participations in standardized loans from lenders (mostly banks) and sharing the credit risk with them. It would end up supporting loans to more than 2,400 borrowers and co-borrowers across the United ...
Current Policy Perspectives

Working Paper
COVID-19 and SME Failures

We estimate the impact of the COVID-19 crisis on business failures among small and medium-size enterprises (SMEs) in seventeen countries using a large representative firm-level database. We use a simple model of firm cost minimization and measure each firm’s liquidity shortfall during and after COVID-19. Our framework allows for a rich combination of sectoral and aggregate supply, productivity, and demand shocks. Accommodation and food services; arts, entertainment, and recreation; education; and other services are among the sectors most affected. The SME jobs at risk due to business ...
FRB Atlanta Working Paper , Paper 2020-21

Discussion Paper
COVID-19 and Small Businesses: Uneven Patterns by Race and Income

The COVID-19 pandemic resulted in one of the sharpest recessions and recoveries in U.S. history. As the virus spread over the country in a matter of weeks in March 2020, most states rapidly locked down nonessential economic activity, which plummeted as a result. As the first wave of COVID-19 subsided and people gradually learned to “live with the virus,” states reversed most of the initial lockdowns and economic activity rebounded. In our ongoing Economic Inequality series, we have explored many aspects of how the economic turmoil associated with COVID-19 differentially affected ...
Liberty Street Economics , Paper 20210527a

Journal Article
Spotlight on Research: The Role of Small Businesses in Commercial Corridor Revitalization

Revitalizing the commercial sector in inner-city neighborhoods that have deteriorated is fraught with issues concerning, among others, the appropriate retail mix and location of establishments, as well as the impact of such efforts on residents and consumers. A key decision is who will serve as the prime mover for the revitalization activities. An article by Stacey Sutton takes a slightly unorthodox view by suggesting that small business owners are underexplored stakeholders who could spearhead a retail restructuring campaign. The following is a summary of the case she makes to support this ...
Cascade , Volume 3

Periodic Essay
Reflections: Small Businesses

An enviable aspect of the U.S. economy around the globe is our spirit of innovation, entrepreneurship, ease of business entry and exit, and labor market flexibility. These are key attributes of a dynamic economy, one that offers opportunities for people to live good and productive lives. Entrepreneurship – setting up and running one’s own business – has always been part of the narrative of the American dream, an avenue to creating and growing wealth, contributing to the community, and leaving a legacy for one’s family.
Reflections by Loretta Mester , Volume 2022 , Issue 01 , Pages 13

Journal Article
Access to Credit for Small and Minority-Owned Businesses

Equal access to small-business credit is a critical underpinning to equity in economic opportunity; however, it is difficult to regularly assess the fairness of credit provision. Prior research has focused on the Federal Reserve Board’s Survey of Small Business Finance, but the most recent data from this source is from 2003. This article provides preliminary results on new credit access questions added to the Census Bureau’s 2021 Annual Business Survey. We find that minority-owned businesses generally were just as likely to apply for credit in 2020, but Black-, Asian-, and Hispanic-owned ...
Economic Commentary , Volume 2022 , Issue 04 , Pages 6

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