This paper examines the effects of credit availability on small firm survivability over the period 2004 to 2008 for non-publicly traded small enterprises. Using data from the 2003 Survey of Small Business Finances, we develop failure prediction models for a sample of small firms that were...

The 2003 Survey of Small Business Finances (SSBF) screening interview had significant unit nonresponse and therefore some type of nonresponse adjustment was deemed necessary. The approach used in the 2003 survey differed from that used in previous surveys. The current paper examines the impact...

Extant literature finds large differences in loan denials between small firms owned by whites and other demographic groups. However, none of this literature focuses on the business owner's personal wealth, despite it being a potentially important part of the small business lending decision. We...

A large body of literature investigates discrimination in home mortgage markets. In contrast, little is known about variation in access to credit across demographic groups for small businesses. This paper examines some of the factors that influence differences in small business credit market...

In antitrust analysis of bank mergers, banking markets are viewed as geographically local, with a quot;clusterquot; of products as the relevant product line. This view is criticized as outdated, now that many bank products are offered by non-bank institutions, and financial institutions'...

In a seminal article on small business lending, Petersen & Rajan (2002) argue that technological changes have revolutionized small business lending markets, weakening the reliance of small businesses on local lenders and increasing geographic distances between firms and their credit suppliers....

Extant literature finds large differences in loan denials between small firms owned by whites and other demographic groups. However, none of this literature focuses on the business owner's personal wealth, despite it being a potentially important part of the small business lending decision. We...

A large body of literature investigates discrimination in home mortgage markets. In contrast, little is known about variation in access to credit across demographic groups for small businesses. This paper examines some of the factors that influence differences in small business credit market...