The role of loan guarantee schemes in alleviating credit rationing in the UK

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Small business financing in the UK before and during the current financial crisis (2012, background): “The insignificant effects of age and performance are likely to be due to size as a better proxy for the collateral that a firm can provide, which acts as a sorting device for business risk and found to alleviate credit rationing by banks (Cowling, 2010).”
The impact of government financial support on the performance of new firms: the role of competitive advantage as an intermediate outcome (2014, background): “Cowling 2010; Cowling and Mitchell 2003; Garcia-Tabuenca and Crespo-Espert 2010; Lenihan and Hart 2006; Morris and Stevens 2010; Oh et al. 2009; Taymaz and Ucdogruk 2009); and non-financial support measures such as business advice and guided preparation (e.g. Collett, Pandit, and Saarikko 2014; Mole”
The cost of growth: small firms and the pricing of bank loans (2015, unknown): “Whilst belief in the existence of credit rationing is the fundamental rationale for loan guarantee schemes (Cowling 2010), in practice they encourage incrementality or additionality in lending (Riding et al. 2007).”
Financial Constraints and Small and Medium Enterprises: A Review* (2020, methodology): “Using firm level data from the UK, Cowling (2010) compares the capital constraints faced by smaller firms with and without an available guarantee scheme and finds support for the notion that programs which provide loan security relax the financial constraint for small businesses.”