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Home Equity Lending, Credit Constraints and Small Business in the US

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Home Equity Lending, Credit Constraints and Small Business in the US

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Working Paper Number CES-20-32

Abstract

CES_working_paper_series
Download Home Equity Lending, Credit Constraints and Small Business in the US [PDF - > 1MB]

We use Texas's constitutional amendment in 1997 that expanded the scope of home equity loans as a source of exogenous variation to estimate the effects of relaxing credit constraints on small businesses. We find, using standard panel data methods and restricted-use microdata from the US Census Bureau, that the Texas amendment increased the use of home equity finance by small businesses, increased new business and job creation and reduced establishment exit and job loss. The effects are larger and significant for businesses with fewer than ten employees.

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Page Last Revised - October 8, 2021
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