Rapid small business ownership growth rates among women have motivated research on issues related to gender and small business performance. The importance of credit access for the success of small businesses, as well as evidence that women have less access to credit than male business owners,...

In this paper, we use the Blinder-Oaxaca method for nonlinear models to decompose observed differences in credit rationing of small businesses between white- and minority-owned firms in the USA. We utilize a representative dataset of small businesses from the Survey of Small Business Finances...