Does Perceived Socio-Economic Status Impact Access to Credit in the Small Business Arena?
From November 1, 2020, to December 14, 2020, NCRC conducted multi-layered matched-
pair tests of 22 different financial institutions. The purpose of this study was to examine the
role of socio-economic status (SES), specifically perceived education, on the interactions
between race and treatment in the small business pre-application arena.