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The quantity and character of out-of-market small business lending

Laderman, Elizabeth S. - In: Economic Review (2008), pp. 31-39

practice of considering out-of-market loans when assessing local competitive conditions. I also find that out-of-market and in …-market loans are of similar average size and are about equally likely to be secured by commercial real estate. …

Persistent link: https://www.econbiz.de/10005352487

Securitization and small business

Wilcox, James A. - In: FRBSF Economic Letter (2011)

virtual cessation of securitization of some of the loans used by small businesses, such as commercial real estate mortgages …, vehicle, and credit card loans. In addition, values of commercial and residential real estate, which small businesses often … use as collateral for loans, dropped dramatically. As a consequence, small businesses may have experienced tighter credit …

Persistent link: https://www.econbiz.de/10009221510

The wisdom of crowdfunding

Zhang, Juanjuan - In: Communities and Banking (2013) Winter, pp. 30-31

Microloans, also known as microfinancing, peer-to-peer lending, and crowdfunding, started out as a means for individuals, such as impoverished borrowers who lack collateral and underprivileged women in third world countries, to provide for themselves. The way microloan markets operate is quite...

Persistent link: https://www.econbiz.de/10010726438

Small business access to capital: alternative resources bridging the gap

Longworth, Susan; Newberger, Robin - In: Profitwise (2012) May, pp. 2-13

Nationwide in the U.S. over the past 15 years, small businesses generated 64 percent of the net new job growth. Small businesses with fewer than 500 employees, a definition used by the Small Business Administration (SBA), represent 99.7 percent of all employer firms, and employ more than half of...

Persistent link: https://www.econbiz.de/10010726797

Small business lending and bank competition

Laderman, Liz - In: FRBSF Economic Letter (2008)

This Economic Letter examines what the data say about the relationship between the degree of competition in and total volume of small business lending in local geographic banking markets.

Persistent link: https://www.econbiz.de/10005706921

The role of relationships in small-business lending

Craig, Ben R.; William E. Jackson, III; Thomson, James B. - In: Economic Commentary (2005) Oct

In the presence of imperfect information, both large and small banks try to find alternative ways to identify creditworthy borrowers. Lending relationships are one way to go about this. Relationships between banks and small businesses tend to be much closer than those between banks and large...

Persistent link: https://www.econbiz.de/10005390423

Microfinance in good times and bad: Yankee ingenuity keeps microfinance strong

Harman, Gina; Royles, Matthew - In: Communities and Banking (2009) Spr, pp. 12-14

With banks still facing challenges, alternative sources of credit are likely to play an increasingly important role in financing small businesses. The authors describe what ACCION USA has learned as its approach to microlending has evolved.

Persistent link: https://www.econbiz.de/10005368052

Member bank loans to small business

Schmidt, Charles H. - In: Federal Reserve Bulletin (1947) Aug, pp. 963-977

Persistent link: https://www.econbiz.de/10005386762

Getting down to business: Commercial cards in business-to-business payments

Herbst-Murphy, Susan - Federal Reserve Bank of Philadelphia - 2011

Providing efficiency and cost-savings over paper payments (cash and checks), commercial payment cards are among the fastest growing card segments in recent years. Today, they account for nearly one in every five dollars spent using general-purpose payment cards. And since business and government...

Persistent link: https://www.econbiz.de/10009216235

Public policy in support of small business: the American experience

Craig, Ben R; William E Jackson, III; Thomson, James B - Federal Reserve Bank of Cleveland - 2011

Information problems in small enterprise credit markets can result in a market equilibrium characterized by credit rationing. These information problems are potentially more severe during sharp economic downturns such as the recent Great Recession. Government interventions to alleviate credit...

Persistent link: https://www.econbiz.de/10009292984

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