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THE SMALL ENTERPRISE-BANK LENDER RELATIONSHIP: FURTHER EMPIRICAL EVIDENCE

J. Terence Zinger
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J. Terence Zinger: School of Commerce & Administration, Laurentian University, Canada

Journal of Enterprising Culture (JEC), 2002, vol. 10, issue 03, 189-207

Abstract: This paper explores selected aspects of the small enterprise-bank lender relationship. Using a sample of small businesses based in Northern Ontario, Canada, it is found that loan approval rates are high and very few borrowers can be classified as being disappointed with their present bank financing arrangements, The results suggest that business size, as measured by the number of full time employees, is positively associated with the level of satisfaction with bank financing arrangements, thus providing partial support for previous studies that have reported that problems between small business borrowers and their banks are more evident for the smallest ventures. In addition, this level of satisfaction is also related to the incidence of visits by the lender to the small firm's place of business. Further, it is found that the sample firms are not accessing non-bank financial institutions to the same degree as their counterparts in other regions of the country. The general implications of these results are discussed and opportunities for further research are identified.

Date: 2002
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DOI: 10.1142/S0218495802000086

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