Small Business Credit Scoring and Credit Availability

FRB of Atlanta Working Paper No. 2005-10

26 Pages Posted: 14 Jun 2005

See all articles by Allen N. Berger

Allen N. Berger

University of South Carolina - Darla Moore School of Business; Wharton Financial Institutions Center; European Banking Center

W. Scott Frame

Federal Reserve Bank of Dallas

Multiple version iconThere are 3 versions of this paper

Date Written: May 2005

Abstract

U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

Keywords: Banks, credit scoring, small business

JEL Classification: G21, G28, G34, L23

Suggested Citation

Berger, Allen N. and Frame, W. Scott, Small Business Credit Scoring and Credit Availability (May 2005). FRB of Atlanta Working Paper No. 2005-10. Available at SSRN: https://ssrn.com/abstract=743230 or http://dx.doi.org/10.2139/ssrn.743230

Allen N. Berger

University of South Carolina - Darla Moore School of Business ( email )

1705 College St
Francis M. Hipp Building
Columbia, SC 29208
United States
803-576-8440 (Phone)
803-777-6876 (Fax)

Wharton Financial Institutions Center

Philadelphia, PA 19104-6367
United States

European Banking Center

P.O. Box 90153
Tilburg, 5000 LE
Netherlands

W. Scott Frame (Contact Author)

Federal Reserve Bank of Dallas ( email )

2200 N Pearl Street
Dallas, TX 75201
United States
214-922-6984 (Phone)

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