provision of greater collateral, and the reliance on internal finance. Family firms may also make better use of their advantage …

estate collateral. This is most pronounced for opaque (for example, very young) firms. Through an extension to our model and … our choice of specification, we show that our findings are most consistent with a collateral-value-based credit supply …

lack of collateral. A credit guarantee scheme is a suitable method to unlock lending to SMEs; however, it involves SMEs …