MBDA provides a repository of publications for public research and review.
Categories includes: Demographic Trends  | Entrepreneurial Innovations  | Export  | Finance | Industry Trends  | Strategic Alliances  | Supply Chain  | U.S. Economy  | Technology 
Peer-to-Peer Lending: A Financing Alternative for Small Businesses
In this brief, Research Economist Miriam Segal builds upon existing research and discusses the emerging funding option by explaining the investment model, comparing it to traditional small business financing options, and presenting implications regarding the future of peer-to-peer lending.
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Credit Scores and Credit Market Outcomes: Evidence from the Survey of Small Business Finances and the Kauffman Firm Survey
Small businesses often struggle to find available credit. Building on previous literature, this research analyzes what factors, including business credit scores, may explain credit outcomes (approvals or denials) for small businesses. It further asks what role business credit scores might play in the credit outcomes of women- and minority-owned small businesses.
Small Business Lending in the United States 2012
Understanding how small businesses are financed is important, since small firms are major contributors to the economy. Small businesses tend to rely on traditional depository institutions for their credit needs. Since the end of the recession in mid-2009, overall lending conditions have improved for businesses, but improvement has been slower for small firms. This report provides information on recent developments in small business borrowing by analyzing the lending patterns of depository lending institutions nationally and at the local level.
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Access to Capital among Young Firms, Minority-owned Firms, Women-owned Firms, and High-tech Firms
The availability of capital is crucial for small business startup, survival, and growth. This study investigates how the youngest small firms operated and were financed during the evolving financial environment of the recent Great Recession, especially high-tech firms and firms owned by women and minorities.
The Impact of Credit Availability on Small Business Exporters
A dramatic drop in U.S. exports during the 2008-2009 financial crisis and Great Recession stimulated interest in investigating the relationship between trade finance and small business exports. This research examines whether and how the tightening of credit affects small firm exporters.
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Trade Finance Guide
A Quick Reference for U.S. Exporters is designed to help U.S. companies, especially small and medium-sized enterprises, learn the basic fundamentals of trade finance so that they can turn their export opportunities into actual sales and to achieve the ultimate goal of getting paid—especially on time—for those sales. Concise, two-page chapters offer the basics of numerous financing techniques, from open accounts, to forfaiting to government assisted foreign buyer financing.
Immigrant Entrepreneurs and Small Business Owners, and their Access to Financial Capital
Immigrants make a significant contribution to business ownership and formation, according to a new study from the Office of Advocacy. Immigrant Entrepreneurs and Small Business Owners, and their Access to Financial Capital  found that 10 percent of immigrants own a business. Nearly 20 percent of immigrant-owned businesses started with $50,000 or more in startup capital, compared to 15.9 percent for non-immigrant-owned business.
Connecting Small Manufacturers with the Capital Needed to Grow, Compete, and Succeed: Small Manufacturers Capital Access Inventory and Needs Assessment Report
This report summarizes the findings and recommendations from the environmental scan conducted during the capital access assessment project. The content of the report is not intended to provide an academic, in-depth study of the capital market. Instead, the goal of the assessment was to provide MEP a working basis for understanding the capital access challenges currently being experienced by SMEs and possible solutions for addressing these challenges. The observations and recommendations contained are the opinions of the authors (Booz Allen Hamilton project team) and are based upon the information collected through interviews with a representative set of stakeholders, existing data, and surveys conducted by the several reputable organizations referenced in this document.
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Disparities in Capital Access between Minority and Non-Minority Businesses: The Troubling Reality of Capital Limitations Faced by MBEs.
Disparities in Capital Access between Minority and Non-Minority Businesses: The Troubling Reality of Capital Limitations Faced by MBEs provides new findings on disparities in capital access between minority businesses and non-minority businesses after controlling for a number of factors including size of firm and credit worthiness among other. The report includes a review of the 2008 recession and financial crisis which affected the ability of minority businesses to secure the capital they need to establish and grow their businesses. It also provides and overview of the barriers to capital access faced by minority businesses.
Accelerating Job Creation & Economic Productivity
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Democratizing Capital for Emerging Domestic Markets
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