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Business Loan Markets

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Credit availability for businesses continued to improve throughout 2004, according to the Federal Reserve’s Senior Loan Officer Survey. In the January 2005 survey (covering the months of November, December and January) respondent banks reported that they had further eased lending standards for commercial and industrial loans to borrowers of all sizes. They also indicated that they had narrowed their lending spreads, reduced collateral requirements, and increased the size of credit lines.


Suggested citation: “Business Loan Markets,” Federal Reserve Bank of Cleveland, Economic Trends, no. 05-06, pp. 17, 06.01.2005.

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