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FinTech small business lending: Do FinTechs provide business loans to under-banked groups?

Author

Listed:
  • Tran, Arthur M.
  • Winters, Drew B.

Abstract

FinTech lenders often advertise that they will make loans that traditional banks will not. We investigate whether outcomes for female- and minority-owned firms differ across FinTechs and traditional banks. We find that FinTechs, like large banks, are less likely to lend to minority-owned firms than to white-owned firms. However, FinTechs are more likely to lend to female-owned firms than to otherwise similar male-owned firms. This FinTech preference for female-owned business loans is different from banks which show no gender-based preferences.

Suggested Citation

  • Tran, Arthur M. & Winters, Drew B., 2026. "FinTech small business lending: Do FinTechs provide business loans to under-banked groups?," Journal of Financial Stability, Elsevier, vol. 84(C).
    • Handle: RePEc:eee:finsta:v:84:y:2026:i:c:s1572308926000434
    DOI: 10.1016/j.jfs.2026.101541
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • J15 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Minorities, Races, Indigenous Peoples, and Immigrants; Non-labor Discrimination
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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