Small Business Loan Turndowns, Personal Wealth and Discrimination

Topics:
Commercial Lending
Tags:
Banking,
Credit History,
Federal Reserve Board,
Financial Services,
Small Business
Source:
The Federal Reserve Board

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Overview: This paper examines the impact of personal wealth on small business loan turndowns across demographic groups. It provides information on home ownership, home equity, and personal net worth excluding the business owner's home, in combination with data on the personal credit history of the principal owner. The paper discusses the business credit history of the firm, a rich set of additional explanatory variables, and information on the competitiveness of local banking markets, contributes to our understanding of the credit market experiences of small businesses across demographic groups.

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Format: PDF | Size: 83KB | Date: Jan 2002 | Pages: 32

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