First published November 2017
This report is the final in a series of four reports on bank lending to small businesses. A variety of cities and regions were selected from across the United States to determine whether systemic problems exist or whether problems related to declines and disparities in lending are isolated. Earlier reports covered the following regions: Chicago, Illinois; Los Angeles/San Diego, California; Buffalo, New York; New Brunswick, New Jersey; Detroit, Michigan; and Richmond, Virginia.
This report examines bank lending to businesses in the Fresno County, California, and the Minneapolis-St. Paul, Minnesota, regions. The purpose is to determine the extent to which banks are meeting the credit needs of small businesses throughout those two regions. The focus of the report is on the smaller value loans under $100,000 that are most likely to support smaller, local businesses that provide employment and wealth-building opportunities for local residents.