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Small business access to credit and capital - Publications


Mind the Gap: How Do Credit Market Experiences and Borrowing Patterns Differ for Minority-Owned Firms?

Given the relationship between a small business’s access to financing and its outcomes, and given the growing share of minorities in the U.S., it’s important that all creditworthy firms and entrepreneurs are able to secure adequate financial resources, irrespective of race or ethnicity. In this paper, which employs data from the Federal Reserve System’s 2016 Small Business Credit Survey, the authors explore under what conditions credit market experiences differ for various racial and ethnic ownership groups of small employer firms. They find evidence for disparities in credit approval by the race or ethnicity of the business owner, such as many minority-owned firms being less likely to receive approval for financing or being discouraged from applying in the first place.

Bridges — Winter 2017-2018

Bridges is a quarterly review of regional community and economic development issues, projects, and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics, and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2017-2018 issue include: New St. Louis Fed Tool Dives Deep into Community Investment; Cash on Hand Is Critical for Avoiding Hardship; Connecting a Memphis Community to the Built Environment through Equity; Investment Connection: The St. Louis Fed’s New Approach to CRA; CRA: An Examiner’s Perspective – Questions to Ask Workforce Development Partners; and more.

Fair lending laws and the CRA: Complementary tools for increasing equitable access to credit

The fair lending laws and the Community Reinvestment Act view lending through two different lenses: one focused on protected classes and one focused on income level. Yet despite the distinction, the laws can work in concert to promote more equal access to credit. This article explores these laws and discusses how they intersect. Featured in Community Dividend, an online publication of the Minneapolis Fed, on March 8, 2018.

5th District Footprint: Small Business Lending in the Fifth District

This issue of 5th District Footprint examines the percentage change in the number and total dollar value of small business loans originated in Fifth District counties in the years following the Great Recession — from 2010 to 2015 — by the location of the recipient small businesses. 

Coming Up with the Money: Five Principles for Launching a Successful Community Development Initiative

This guide, designed especially for those new to the field of community development, also serves as a refresher and resource for those who don’t engage in financing projects regularly or those who would like to consider new partners and new tools for upcoming projects.

2016 Small Business Credit Survey: Report on Employer Firms

The 12 Federal Reserve Banks issued the 2016 Small Business Credit Survey: Report on Employer Firms, which examines the results of an annual survey of business conditions and the credit environment faced by small business owners who have full- or part-time employees. The survey gathered experiences from firms across all 50 states and the District of Columbia through the joint efforts of the Federal Reserve Banks of New York, Atlanta, Boston, Chicago, Cleveland, Dallas, Kansas City, Minneapolis, Philadelphia, Richmond, San Francisco and St. Louis.

The Geographic Scope of CDFI Activity in the Southeast

The second issue of Community Scope 2016 examines the patterns in geographic service provision by respondent CDFIs in urban, rural, low- and moderate-income (LMI), underserved and distressed markets and areas.

Community Development Financial Institutions in the Southeast: Surveying the Social Investment Landscape

Volume 4, Issue 1 2016 of Community Scope uses the results of the 2015 survey to present timely key findings on CDFI activity in the Southeast, including capitalization, demand, capacity, non-lending programs and services, and impact investing.

Creating a smarter, faster, better approach to serving low-income communities

A conversation with Dave Glaser, president of Montana & Idaho Community Development Corporation, on how his organization is adopting more effective ways to pursue business and housing development. From Community Dividend, a publication of the Minneapolis Fed.

State of Small Business

Why, if so much has improved in recent years relating to small business, are there fewer startup firms, comparatively? A Cleveland Fed writer explores what’s improved, what hasn’t, and what’s possibly to come for Main Street firms.

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