This paper studies financial constraints over the entrepreneurs lifecycle in the context of small business lending. Underwriting relies on personal credit scores, which are backward-looking and favor
Business or organization plans to apply for debt financing, by North American Industry Classification System (NAICS), business employment size, type of business, business activity and majority ownersh
Concept: Credit operations outstanding by source of funds and type of credit - small-sized enterprise - nonearmarked credit - Overdraft Source: Credit Information System
