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Commercial Lending Officer and Small Business Client Relationships

Jack H. Rubens, Sally C. Barton

American Journal of Business

ISSN: 1935-519X

Article publication date: 28 October 1988

Issue publication date: 28 October 1988

160

Abstract

This article presents the results of an April 1986 mail survey of small business firms in Cuyahoga County, Ohio, concerning the relationship with their commercial bank lending officer. The survey examined loan types and rates, types of collateral,and bank and officer characteristics. Results indicate that 1) secured lines of credit were the most common loan type, 2) the reputation of the bank was the most important characteristic, 3) personal guarantees were the most common collateral type, and forty small businesses rely heavily upon the expertise and support of their commercial lending officers the businesses would seldom change banks for a half percent rate advantage.

Keywords

Citation

Rubens, J.H. and Barton, S.C. (1988), "Commercial Lending Officer and Small Business Client Relationships", American Journal of Business, Vol. 3 No. 2, pp. 59-64. https://doi.org/10.1108/19355181198800018

Publisher

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MCB UP Ltd

Copyright © 1988, MCB UP Limited

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