{"id":18815,"date":"2014-08-14T05:57:19","date_gmt":"2014-08-14T03:57:19","guid":{"rendered":"http:\/\/www.w-t-w.org\/en\/?p=18815"},"modified":"2014-08-14T05:57:19","modified_gmt":"2014-08-14T03:57:19","slug":"federal-reserve-report-on-small-business-loans-2","status":"publish","type":"post","link":"https:\/\/www.w-t-w.org\/en\/federal-reserve-report-on-small-business-loans-2\/","title":{"rendered":"Federal Reserve Report on Small Business Loans"},"content":{"rendered":"<p><span style=\"font-size: medium\">Key findings include:<\/span><\/p>\n<p><span style=\"font-size: medium\"><strong>Small firms report rising costs, including financing costs, as key growth challenge in 2013<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium\">Two in three firms experienced increasing costs of running their business and a quarter said it was their biggest growth challenge<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">Two in five firms reported increasing financing costs<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">The number of firms reporting being priced out of credit markets increased to 5 percent in 2013 from 3 percent in 2012<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium\"><strong>40 percent of firms applied for credit in 2013 &#8211; not a significant change from 2012<\/strong> <\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium\">Lines of credit and business loans continue to be the most sought after credit products with 70 percent and 52 percent of applicants seeking each product respectively<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">While 39 percent of applicants sought credit to cover day-to-day operations, 30 percent sought credit to expand their business or make capital investments<a id=\"KonaLink1\" class=\"kLink\" style=\"text-decoration: underline !important;font-family: inherit !important;font-weight: inherit !important;font-size: inherit !important\" href=\"http:\/\/econintersect.com\/b2evolution\/skins\/frugal\/#\"><\/a> \u2013 a significant increase from a year ago<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium\"><strong>Firms continue to report small credit needs and high application costs<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium\">Most applicants sought relative small loans: 90 percent sought under $1 million and 51 percent under $100,000<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">Applying for credit is time consuming \u2013 on average firms spent 33 hours applying for credit, contacted three financial institutions, and submitted three credit applications<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium\"><strong>Overall approval rates remained constant from a year ago; credit market continues to be favorable for profitable and experienced firms<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium\">58 percent of applicants received at least some of the credit they applied for in 2013 \u2013 not a significant change from 2012 <\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">37 percent of credit applicants were profitable, down from 44 percent in 2012; however, 76 percent had credit experience, up from 69 percent<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">Experienced and profitable firms typically sought larger loan amounts, had higher approval rates, and faced unchanged or decreasing financing costs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium\"><strong>Credit demand will remain strong in 2014<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-size: medium\">37 percent of firms plan to apply for credit in 2014 and 17 percent have not made a decision<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">Applicant pool likely to increase: fewer firms reported having sufficient financing and being debt averse in 2013<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: medium\">More than half of unsuccessful applicants and non-applicants report interest in exploring new financing types and contacting new lenders<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium\"><strong>About the Small Business<a id=\"KonaLink2\" class=\"kLink\" style=\"text-decoration: underline !important;font-family: inherit !important;font-weight: inherit !important;font-size: inherit !important\" href=\"http:\/\/econintersect.com\/b2evolution\/skins\/frugal\/#\"><\/a> Credit Survey<\/strong><\/span><\/p>\n<p><span style=\"font-size: medium\">The Small Business Credit Survey (SBCS) is a semi-annual survey of establishments conducted by the Federal Reserve Bank of New York\u2019s Outreach Team, reporting information about business performance, financing needs and choices, and borrowing experiences. Responses to the <em>SBCS<\/em> provide insight into the dynamics behind aggregate lending trends and shed light on noteworthy segments of the small business credit market (as reported by borrowers). The SBCS captures the perspectives of businesses with fewer than 500 employees in New York, New Jersey, Connecticut, and Pennsylvania. Results are weighted to reflect the full population of small businesses in the four states of coverage.<\/span><\/p>\n<p style=\"text-align: center\"><a href=\"http:\/\/www.w-t-w.org\/en\/federal-reserve-report-on-small-business-loans-2\/small-buisness-loans\/\" target=\"_blank\" rel=\"attachment wp-att-18816\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-18816\" src=\"http:\/\/www.w-t-w.org\/en\/wp-content\/uploads\/2014\/08\/Small-Buisness-Loans-300x215.jpg\" alt=\"Small Business Loans\" width=\"300\" height=\"215\" srcset=\"https:\/\/www.w-t-w.org\/en\/wp-content\/uploads\/2014\/08\/Small-Buisness-Loans-300x215.jpg 300w, https:\/\/www.w-t-w.org\/en\/wp-content\/uploads\/2014\/08\/Small-Buisness-Loans-416x300.jpg 416w, https:\/\/www.w-t-w.org\/en\/wp-content\/uploads\/2014\/08\/Small-Buisness-Loans.jpg 485w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key findings include: Small firms report rising costs, including financing costs, as key growth challenge in 2013 Two in three firms experienced increasing costs of running their business and a quarter said it was their biggest growth challenge Two in &hellip; <a href=\"https:\/\/www.w-t-w.org\/en\/federal-reserve-report-on-small-business-loans-2\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":22,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[23,13],"tags":[],"class_list":["post-18815","post","type-post","status-publish","format-standard","hentry","category-entrepreneurs","category-finance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Federal reserve shows tight small business loans. This has always been so. If you are a loan officer in a bank and give GE a big loan and they default, no one says anything. A small loan takes almost as much time, and even though it may be less risky than some of the bigger ones, you will get blamed for a default.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Adela Rogers\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.w-t-w.org\/en\/federal-reserve-report-on-small-business-loans-2\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"W-T-W.org - Women and Finance\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Federal Reserve Report on Small Business Loans - W-T-W.org\" \/>\n\t\t<meta property=\"og:description\" content=\"Federal reserve shows tight small business loans. 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This has always been so. If you are a loan officer in a bank and give GE a big loan and they default, no one says anything. A small loan takes almost as much time, and even though it may be less risky than some of the bigger ones, you will get blamed for a default.","og:url":"https:\/\/www.w-t-w.org\/en\/federal-reserve-report-on-small-business-loans-2\/","article:published_time":"2014-08-14T03:57:19+00:00","article:modified_time":"2014-08-14T03:57:19+00:00","twitter:card":"summary_large_image","twitter:title":"Federal Reserve Report on Small Business Loans - W-T-W.org","twitter:description":"Federal reserve shows tight small business loans. This has always been so. If you are a loan officer in a bank and give GE a big loan and they default, no one says anything. 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A small loan takes almost as much time, and even though it may be less risky than some of the bigger ones, you will get blamed for a default.","keywords":[{"label":"small business loans","value":"small business loans"},{"label":"federal reserve","value":"federal reserve"}],"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2024-10-06 05:32:48","updated":"2025-07-13 22:42:52","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.w-t-w.org\/en\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.w-t-w.org\/en\/home\/news-blog\/\" title=\"News Blog\">News Blog<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.w-t-w.org\/en\/home\/news-blog\/finance\/\" title=\"Finance\">Finance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tFederal Reserve Report on Small Business Loans\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.w-t-w.org\/en"},{"label":"News Blog","link":"https:\/\/www.w-t-w.org\/en\/home\/news-blog\/"},{"label":"Finance","link":"https:\/\/www.w-t-w.org\/en\/home\/news-blog\/finance\/"},{"label":"Federal Reserve Report on Small Business Loans","link":"https:\/\/www.w-t-w.org\/en\/federal-reserve-report-on-small-business-loans-2\/"}],"_links":{"self":[{"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/posts\/18815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/comments?post=18815"}],"version-history":[{"count":2,"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/posts\/18815\/revisions"}],"predecessor-version":[{"id":18818,"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/posts\/18815\/revisions\/18818"}],"wp:attachment":[{"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/media?parent=18815"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/categories?post=18815"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.w-t-w.org\/en\/wp-json\/wp\/v2\/tags?post=18815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}