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Author : Jie Gong
Publisher :
ISBN 13 :
Total Pages : 51 pages
Book Rating : 4.:/5 (68 download)
Download or read book Relationship Lending and Lines of Credit for Small Business written by Jie Gong and published by . This book was released on 2010 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: Keywords: loan rates, lines of credit, small business, collateral requirements.
Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 53 pages
Book Rating : 4.:/5 (129 download)
Download or read book Relationship Lending and Lines of Credit in Small Firm Finance written by Allen N. Berger and published by . This book was released on 2014 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the role of relationship lending in small firm finance. We examine price and nonprice terms of bank lines of credit (L/C) extended to small firms. Our focus on bank L/Cs allows us toe examine a type of loan contract in which the bank-borrower relationship is likely to be an important mechanism for solving asymmetric information problems associated with financing small enterprises. We find that borrowers with longer banking relationships pay lower interest rates and are less likely to pledge collateral. These results are consistent with theoretical arguments that relationship lending generates valuable information about borrower quality.
Download or read book Relationship Lending and Lines of Credit for Small Business written by and published by . This book was released on 2004 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This thesis examines the influences of bank-borrower relationships on the terms for bank lines of credit for small business. I use the Surveys of Small Business Finances data to estimate two models: an OLS Regression explaining the premium over the prime rate and a Logistic Regression for the probability of collateral requirements. I focus on those firms with lines of credit with floating rates from commercial banks and use contract, financial, governance, industry and relationship characteristics as explanatory variables. Dun and Bradstreet (D&B) credit scores, minority status and gender are also added to previous models reported in the literature. My results are: (1) Small firms with longer market experiences will pay lower premium rates over the prime rate and firms with higher risk D&B credit scores will pay higher premiums. These results are both statistically and economically significant. However, the length of bank-borrower relationships does not have a statistically significant effect on the loan rate. Although lines of credit may provide more ‘soft-informationâ€TM on borrowers during bank-borrower relationships, banks still put more weight on credit scores and the firmsâ€TM age. (2) There is no statistically significant relationship between Relationship Characteristics and the probability of collateral requirements. Banks pay more attention to Financial Characteristics and type of ownership. D&B credit scoring system plays a more important role than bank-borrower relationship status. (3) Minority status and gender do not have impacts on loan rates or the probability of pledging collateral.
Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 39 pages
Book Rating : 4.:/5 (129 download)
Download or read book Lines of Credit and Relationship Lending in Small Firm Finance written by Allen N. Berger and published by . This book was released on 2014 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the role of relationship lending using a data set on small firm finance. We specifically examine price and nonprice terms of commercial bank lines of credit (L/C) extended to small firms. Our focus on bank L/Cs allows us to examine a type of loan contract where the bank-borrower relationship is likely to be an important mechanism for solving asymmetric information problems associated with financing small enterprises. We find that borrowers with longer banking relationships tend to pay lower interest rates and are less likely to pledge collateral. These results are consistent with theoretical arguments that relationship lending generates valuable information about borrower quality.
Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 50 pages
Book Rating : 4.:/5 (37 download)
Download or read book Lines of Credit, Collateral, and Relationship Lending in Small Firm Finance written by Allen N. Berger and published by . This book was released on 1994 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Kristopher McGee
Publisher : Kristopher McGee
ISBN 13 :
Total Pages : 150 pages
Book Rating : 4./5 ( download)
Download or read book The Business Credit Playbook written by Kristopher McGee and published by Kristopher McGee . This book was released on 2023-06-01 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Business Credit Playbook: Proven Techniques for Mastering Business Credit" is a comprehensive guide that unlocks the secrets to building and leveraging business credit successfully. Whether you're a small business owner, entrepreneur, or aspiring business professional, this book equips you with the knowledge and strategies needed to establish and maximize your business credit profile. In today's competitive market, having strong business credit is essential for obtaining financing, securing favorable terms with suppliers, and expanding your business. Authoritative and insightful, this playbook demystifies the world of business credit, providing you with a step-by-step roadmap to navigate its complexities. Inside, you'll discover a wealth of invaluable information, including: Understanding the fundamentals: Learn the core concepts of business credit, including how it differs from personal credit and the key factors that impact your business credit score. Establishing a strong foundation: Discover proven techniques for setting up your business credit profile, choosing the right legal structure, and organizing your financials to optimize creditworthiness. Building creditworthiness: Dive into effective strategies for building a positive credit history, managing your accounts, and developing relationships with lenders and vendors that can support your credit goals. Mastering credit applications: Uncover insider tips on how to craft compelling credit applications that maximize your chances of approval and secure favorable credit terms. Optimizing credit utilization: Learn how to manage your credit utilization ratio, balance transfers, and debt repayment to maintain a healthy credit profile and boost your borrowing power. Leveraging business credit: Discover innovative ways to leverage your business credit to access financing, secure trade credit, negotiate better terms with suppliers, and propel your business growth. Navigating challenges: Gain valuable insights on how to overcome common obstacles and challenges associated with business credit, such as credit denials, credit reporting errors, and credit fraud. Written in a clear and accessible style, "The Business Credit Playbook" provides practical guidance, real-life examples, and expert advice to empower you on your journey to mastering business credit. With this book as your guide, you'll gain the confidence and knowledge needed to establish a solid credit foundation, unlock financing opportunities, and position your business for long-term success. Whether you're a seasoned entrepreneur or just starting out, "The Business Credit Playbook" is an essential resource that will transform your understanding of business credit and help you leverage it to achieve your financial and business goals. Get ready to take control of your business credit destiny and unleash the true potential of your enterprise!
Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (129 download)
Download or read book Small Business Credit Availability and Relationship Lending written by Allen N. Berger and published by . This book was released on 2014 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper models the inner workings of relationship lending, the implications for bank organizational structure, and the effects of shocks to the economic environment on the availability of relationship credit to small businesses. Relationship lending depends on the accumulation over time by the loan officer of quot;softquot; information. Because the loan officer is the repository of this soft information, agency problems are created throughout the organization that are best resolved by structuring the bank as a small, closely-held organization with few managerial layers. The shocks analyzed include technological innovations, regulatory regime shifts, banking industry consolidation, and monetary policy shocks.
Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4.:/5 (248 download)
Download or read book Small Business Credit Availability and Relationship Lending written by Allen N. Berger and published by . This book was released on 2001 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (138 download)
Download or read book Small Business Credit Availability and Relationship Lending : the Importance of Bank Organizational Structure written by Allen N. Berger and published by . This book was released on 2001 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Ty Kiisel
Publisher : Apress
ISBN 13 : 1430249994
Total Pages : 194 pages
Book Rating : 4.4/5 (32 download)
Download or read book Getting a Business Loan written by Ty Kiisel and published by Apress. This book was released on 2013-11-27 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day, Main Street businesses wrestle with the challenge of finding the cash to finance growth or use as working capital. The local banker often wants a credit score of 720, three or more years in business, and a fat savings account. No wonder local bankers approve only 10% of loan applications. Getting a Business Loan: Financing Your Main Street Business shares something your local banker might not want you to know—small business owners have options. And this book describes those alternative lending sources in detail, as well as traditional sources of funding like banks and credit unions. Half of all business startups don’t make past their fifth birthday—and often because they can’t find the financing required to sustain their operations. Whether you own a small restaurant, a bicycle shop, a hardware store, a small manufacturing company, or a service business, Getting a Business Loan offers easy-to-understand descriptions of loan options that can keep you going, as well as practical advice on where to look for money and how to apply. What would you do with an extra $40,000? Expand your restaurant? Hire a new employee to fulfill a new contract? Buy a needed piece of equipment? Getting a Business Loan will: Detail how bankers look at you and your loan application Explain the menu of non-bank financing options available to business owners, like asset-based lending, factoring, merchant cash advance, local “hard money,” and more Show how to locate potential lenders via the Internet and other means Show how to prepare before you visit the lender or fill out an application Main Street businesses aren’t limited by the local bank’s footprint any more. There are people and institutions all across the country that lend money to small business owners. If you want to find the money you need to strengthen and expand your business, Getting a Business Loan will show you how.
Author : Judit Montoriol Garriga
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.:/5 (83 download)
Download or read book Relationship Lending and Small Business Finance: Empirical Analysis of Cost of Capital, Credit Rationing and Firm Performance written by Judit Montoriol Garriga and published by . This book was released on 2006 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Marcus Powell
Publisher : Nova Science Publishers
ISBN 13 : 9781624174827
Total Pages : 0 pages
Book Rating : 4.1/5 (748 download)
Download or read book The State Small Business Credit Initiative (SSBCI) written by Marcus Powell and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The SSBCI provides funding to states, territories, and eligible municipalities to expand existing or to create new state small business investment programs, including state capital access programs, collateral support programs, loan participation programs, loan guarantee programs, and venture capital programs. This book examines the SSBCI and its implementation, including Treasury's response to initial program audits conducted by the U.S. Government Accountability Office and Treasury's Office of Inspector General. These audits suggested that SSBCI participants were generally complying with the statute's requirements, but that some compliance problems existed, in that, the Treasury's oversight of the program could be improved; and performance measures were needed to assess the program's efficacy.
Author : Judit Montoriol Garriga
Publisher :
ISBN 13 : 9788469060117
Total Pages : pages
Book Rating : 4.0/5 (61 download)
Download or read book Relationship lending and small business finance written by Judit Montoriol Garriga and published by . This book was released on 2007 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Mitchell Berlin
Publisher :
ISBN 13 :
Total Pages : 34 pages
Book Rating : 4.:/5 (129 download)
Download or read book On the Profitability and Cost of Relationship Lending written by Mitchell Berlin and published by . This book was released on 2019 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: We provide evidence on the costs and profitability of relationship lending by banks. We derive bank-specific measures of loan rate smoothing for small business borrowers in response to exogenous shocks to their credit risk and to interest rates, and then estimate cost and profit functions to examine how smoothing affects bank costs and profits. Our results suggests that, in general, loan rate smoothing in response to a credit risk shock is not part of an optimal long-term contract between a bank and its borrower, while loan rate smoothing in response to an interest rate shock is.
Author : María Fabiana Penas
Publisher :
ISBN 13 :
Total Pages : 37 pages
Book Rating : 4.:/5 (129 download)
Download or read book Lending to Small Businesses written by María Fabiana Penas and published by . This book was released on 2006 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: We investigate what determines the maturity of lines of credit to small businesses. Our results provide strong support for the hypothesis that shorter loan maturities serve to mitigate the problems associated with borrower risk and asymmetric information that are typical of small business lending. We find that maturity is shorter for firm owners that have poor credit histories, are older, and less experienced, and for firms that are more informationally opaque. Supporting the notion that collateral and maturity are substitute mechanisms in mitigating agency problems, we also find strong evidence that maturity increases with collateral pledges, that personal collateral is associated with longer maturities than business collateral, and that collateral types that better mitigate agency problems reduce the sensitivity of loan maturity to informational asymmetries and risk. Finally, while it is argued that relationship lending may mitigate information asymmetry, we find no relation between loan maturity and stronger firm-creditor ties.
Author : Gibson Heath
Publisher :
ISBN 13 : 9780962388101
Total Pages : 108 pages
Book Rating : 4.3/5 (881 download)
Download or read book Doing Business with Banks written by Gibson Heath and published by . This book was released on 1989 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Alexandra M. Peters
Publisher :
ISBN 13 : 9781888404371
Total Pages : 48 pages
Book Rating : 4.4/5 (43 download)
Download or read book Loan Documentation written by Alexandra M. Peters and published by . This book was released on 2005 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
