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The geographic scope of small business lending: evidence from the San Francisco market

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  • Elizabeth Laderman

Abstract

Historically, small businesses have tended to turn to local lenders for credit. In recent years, however, technological advances in processing information and assessing credit risk have raised the potential for loosening the geographic ties between small business borrowers and lenders. This Economic Letter discusses factors affecting the geographic scope of markets for small business credit and uses data available for the San Francisco Bay Area to examine the extent to which small businesses rely on local lenders, how this reliance has changed over time, and the implications of any changes for the Federal Reserve's bank merger policy.

Suggested Citation

  • Elizabeth Laderman, 2006. "The geographic scope of small business lending: evidence from the San Francisco market," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue dec15.
    • Handle: RePEc:fip:fedfel:y:2006:i:dec15:n:2006-36
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    Keywords

    small business finance; Loans;

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