-up firms over the period 2007-2009, we find that high-tech startups are less likely to use bank finance and face more … difficulties in raising bank finance than low-tech start-ups. We find that external credit scores do affect the availability of …-tech start-ups than low-tech start-ups. Start-ups that have their main relation with a small bank use more bank finance and …

This study examines the relation of bank loan terms like interest rates, collateral, and lines of credit to borrower … discovered as important factors. The results show that riskier borrowers pay higher loan rate premiums and rely more on bank … was no evidence for an appropriate adjustment of loan terms to rating changes. But bank market power represented by a …