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date: 19 March 2019

Abstract and Keywords

This article discusses small business lending. The second section considers the lending technologies that form the building blocks of the modern research model. It discusses the information on which these technologies are based and the types of borrowers these technologies are designed to serve. The third section covers the issue of bank consolidation and small business lending. The fourth section discusses the ‘hardening’ of small business lending information over time. It covers research that shows that distances between small businesses and their lending institutions has generally increased over time and the method of contact between the firm and its institution has become more impersonal over time, consistent with a greater use of hard information in lending.

Keywords: bank lending, small businesses, lending technologies, bank consolidation

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