In this paper we analyze the access to credit of innovative firms on the price and non-price dimensions of bank lending … overdrawing. Our analysis reveals that banks trade off higher interest rates and lower collateral requirements for firms involved …

Using data at the bank‐firm level for a large sample of small firms collected through the 8th UniCredit Survey … conducted in 2011, we investigate the extent to which banks of different size reward more innovative firms, in terms of both … possibility of being weakly credit‐rationed, as perceived by surveyed firms, while we do not observe any evidence of banks …