Publication Date

February 2001


IPED Technical Report: 2001-2


During the spring of 2000, The University of Texas at El Paso was commissioned by the El Paso Leadership and Research Council to explore a broad set of issues surrounding supply and demand factors with respect to commercial banks, small business firms and debt financing. The study revealed among other things that small, relatively young and minority owned firms experience high loan denial rates compared to their counterparts. The present study has the purpose of providing a more comprehensive statistical analysis concerning the factors which influence or predict loan approval probabilities.