Small Business Credit Scoring and Credit Availability

18 Pages Posted: 11 May 2007

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

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Abstract

U.S. commercial banks are increasingly using small business credit-scoring models to underwrite small business credits. The paper discusses this lending 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 policy issues.

Suggested Citation

Berger, Allen N. and Frame, W. Scott, Small Business Credit Scoring and Credit Availability. Journal of Small Business Management, Vol. 45, No. 1, pp. 5-22, January 2007. Available at SSRN: https://ssrn.com/abstract=984717 or http://dx.doi.org/10.1111/j.1540-627X.2007.00195.x

Allen N. Berger (Contact Author)

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

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European Banking Center

P.O. Box 90153
Tilburg, 5000 LE
Netherlands

W. Scott Frame

Federal Reserve Bank of Dallas ( email )

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

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