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Using data from the 1993 National Survey of Small Business Finances, we examine some ofthe factors influencing differences in small business credit market experiences across demographicgroups. We analyze credit applications, loan denials, and interest rates paid across gender, raceand ethnicity of small business owners. In addition, we analyze data gathered from small businessowners who said they did not apply for credit because they believed that their application wouldhave been...

Competition, Small Business Financing, and Discrimination: Evidence from a New Survey