Small Businesses Hit Hard by Credit Crunch, Survey SaysFor contractor John Horanic, the financial crisis that hasslammed Wall Street the past several...By NapshaJoe
Indeed, theresults of our April 2010 surveysuggest that demand-side factors may be the driving force behind lower levels of small business credit. To be sure, when asked about the recent obstacles to accessing credit, some firms (34 firms, or 11 percent of our sample) cited banks’ unwillin...
Hello Alice conducted a survey of more than 5,000 small business owners to better understand their credit needs and experiences. The results show that owners with personal and business credit cards heavily rely on them to operate and grow their businesses. Conversely, owners without access to cred...
This paper describes three new sources of data on small business finances: Bank Call Report data on small business lending, the 1995 Survey of Consumer Finances (SCF), and the 1993 National Survey of Small Business Finances (NSSBF). Each of these data sources offers publicly available micro-le...
We contribute to several strands of the literature on the small business credit markets. As discussed previously, the demand side of small business lending has not received as much attention, possibly contributing to the information gaps in our understanding of the dynamics of small business finance...
Capital is the lifeblood of small businesses, which rely on credit to start, operate, and grow. Historically, small businesses relied on banks to access ca... KG Mills 被引量: 0发表: 2018年 Distances and Small Business Credit Constraints: The French Case Deregulation and progress in informatio...
Lack of credit is consistently one of the top challenges for small businesses. And for new businesses (those that have been in business less than 5 years), the challenges are even greater. According to the Federal Reserve of New York2016 Credit Survey: Report on Startup Firms, 70% of youn...
And while you may think of a credit card as a convenient way to pay for purchases or earn perks like cash back, at its core, a credit card offers a credit line. In the Federal Reserve Small Business Credit survey,53% of small businessesreported using credit cards to help fund their ope...
This study utilizes data from the Federal Reserve Board's Surveys of Small Business Finances (SSBF) and from the Kauffman Foundation's Kauffman Firm Surveys (KFS) to provide new evidence on how business credit scoring affects the availability of credit to female- and minority-owned firms. SSBF...
Do not require credit for my business Other (please specify) Question Title 26. Have you recently obtained credit for: Line of credit/permanent working capital Refinancing Equipment Leasehold improvements Real estate purchase Have not recently obtained credit Other (please specify) Questi...