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Banking and SME Financing in the United States


  • Charles Ou


Loan markets for most small business borrowers in the United States have become more competitive over the past decade, evidenced by the emergence of a nationwide market for credit lines and credit cards and the entry of large regional banks in local markets. However, the impact of increased competition on the cost of funds to small firms, as indicated by the rate spreads between small business rates and the rates paid by the banks’ best prime customers, is more difficult to assess because of data limitations.

Suggested Citation

  • Charles Ou, 2006. "Banking and SME Financing in the United States," The Office of Advocacy Small Business Working Papers 06ou, U.S. Small Business Administration, Office of Advocacy.
  • Handle: RePEc:sba:wpaper:06ou

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