Small Business Credit Scoring and Credit Availability*

By Allen N. Berger, S. Frame. 2007

412 citations recorded by the source corpus.

Subfields: Finance

View Paper: https://www.semanticscholar.org/paper/28f2d0b7e0d8c84e857b58cd221aed50e1d96f66

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Citations in the corpus

Does Market Size Structure Affect Competition? The Case of Small Business Lending (2007, neutral): “9 See Berger and Frame (2006) for more details on small business credit scoring and its effects on credit availability.”
Alternative Information Sources and Information Asymmetry Reduction: Evidence from Small Business Debt (2015, methodology): “The economics literature on small business lending suggests that the “hard,” quantitative information in credit scores provides a cost effective method for lenders to evaluate loan applications and monitor borrowers (e.g., Frame et al., 2001; Akhavein et al., 2005; Berger et al., 2005; Berger and Fr”
Collateral, relationship lending and family firms (2010, result): “However, results of both studies may differ since (1) different databases on different countries (US vs. Belgium) are used; (2) the US is characterized as a market-based financial system where mainly transaction based lending technologies are used, based on hard quantitative data on opaque SME’s ( B”
A More Complete Conceptual Framework for Financing of Small and Medium Enterprises (2005, background): “Third, factoring is essentially 2 See Berger and Frame (2006) for more details on small business credit scoring and its effects on credit availability.”
The cost of growth: small firms and the pricing of bank loans (2015, neutral): “Beyond these structural characteristics, banks also rely on information they have on the quality of the owner of the business (as a borrower) (Berger and Frame 2007).”
Risk Overhang and Loan Portfolio Decisions: Small Business Loan Supply before and during the Financial Crisis (2015, positive): “Berger et al. (2005) find evidence consistent with this description.”
MODELING CREDIT RISK FOR SMEs: EVIDENCE FROM THE US MARKET (2013, methodology): “6 For many years thereafter, MDA was the prevalent statistical technique applied to the default prediction models and it was used by many authors (Deakin (1972), Edmister (1972), Blum (1974), Eisenbeis (1977), Taffler and Tisshaw (1977), Altman et al.”
A more complete conceptual framework for SME finance (2006, background): “Third, factoring is essentially 2 See Berger and Frame (2006) for more details on small business credit scoring and its effects on credit availability.”
The Question of Sustainability for Microfinance Institutions** (2007, background): “Above this threshold, new borrowers are served by a relationshipbased financing approach (See Berger and Frame 2007, for a discussion of relationship- and transaction-based financing).”
Why Do Borrowers Pledge Collateral? New Empirical Evidence on the Role of Asymmetric Information (2011, neutral): “Although credit scoring models were applied to consumer loans well before the sample period, their application to business loans was delayed due to concerns regarding firm heterogeneity and nonstandardized documentation across firms (Berger and Frame 2007).”