The Impact of Fintech Lending on Small Business Bankruptcies in California (2008-2023)

This study examines the impact of fintech lending on small business bankruptcies at the county level in California from 2008 to 2023. Using UCC filings and FJC bankruptcy records, we find that increased fintech lending is associated with decreased bankruptcy rates across counties. This suggests that fintech lenders play a crucial role in supporting small businesses by maintaining credit access, even during economic downturns, thereby helping to mitigate the impact of reduced bank lending.

Publication Details

Journal
Scholarly and Creative Works from DePauw University (DePauw University)
Published
2024-10-01
Primary Topic
FinTech, Crowdfunding, Digital Finance
Type
article
Field-Weighted Citation Impact
0.00
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article

The Impact of Fintech Lending on Small Business Bankruptcies in California (2008-2023)

Scholarly and Creative Works from DePauw University (DePauw University)
FinTech, Crowdfunding, Digital Finance
article

The Impact of Fintech Lending on Small Business Bankruptcies in California (2008-2023)

article en

Abstract

This study examines the impact of fintech lending on small business bankruptcies at the county level in California from 2008 to 2023. Using UCC filings and FJC bankruptcy records, we find that increased fintech lending is associated with decreased bankruptcy rates across counties. This suggests that fintech lenders play a crucial role in supporting small businesses by maintaining credit access, even during economic downturns, thereby helping to mitigate the impact of reduced bank lending.

Scholarly and Creative Works from DePauw University (DePauw University)
Openalex Percentile: Top 36%
FinTech, Crowdfunding, Digital Finance
OpenAlex
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The Impact of Fintech Lending on Small Business Bankruptcies in California (2008-2023) · Scholarly and Creative Works from DePauw University (DePauw University) (2024) | TGRS Research Map | TGRS