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Applicability of Large Corporate Credit Models to Small Business Risk Assessment

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  • Khalid El-Awady

Abstract

There is a massive underserved market for small business lending in the US with the Federal Reserve estimating over \$650B in unmet annual financing needs. Assessing the credit risk of a small business is key to making good decisions whether to lend and at what terms. Large corporations have a well-established credit assessment ecosystem, but small businesses suffer from limited publicly available data and few (if any) credit analysts who cover them closely. We explore the applicability of (DL-based) large corporate credit risk models to small business credit rating.

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  • Khalid El-Awady, 2021. "Applicability of Large Corporate Credit Models to Small Business Risk Assessment," Papers 2201.08276, arXiv.org.
    • Handle: RePEc:arx:papers:2201.08276
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    File URL: http://arxiv.org/pdf/2201.08276
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