The geographic scope of small business lending: evidence from the San Francisco market

Elizabeth Laderman ()

FRBSF Economic Letter, 2006, issue dec15

Abstract: Historically, small businesses have tended to turn to local lenders for credit. In recent years, however, technological advances in processing information and assessing credit risk have raised the potential for loosening the geographic ties between small business borrowers and lenders. This Economic Letter discusses factors affecting the geographic scope of markets for small business credit and uses data available for the San Francisco Bay Area to examine the extent to which small businesses rely on local lenders, how this reliance has changed over time, and the implications of any changes for the Federal Reserve's bank merger policy.

Keywords: small business finance; Loans (search for similar items in EconPapers)
Date: 2006
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