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This paper subsumes results in an earlier note from December 2020 titled “Which lenders had the highest minority share among their Payment Protection Program (PPP) loans?” We are grateful to Georgij Alekseev, Sara Gong, and Cangyuan Li for superb research assistance, and to Enigma, Middesk, Lendio, Biz2Credit, and Ocrolus for sharing part of their data. In particular, we thank Scott Monaco at Ocrolus for his insights and analytical work. We are also grateful for help from Sriya Anbil, Rohit Arora, Venkatesh Bala, Brock Blake, Katherine Chandler, Christine Dobridge, Kyle Mack, Karen Mills, David Musto, Hicham Oudghiri, Madeline Ross, Kurt Ruppel, and Sam Taussig. We thank seminar and conference participants at the NBER, the AFA Meetings, Cornell, Chicago Booth, Princeton, Maryland Smith, Arizona State University, the Government Accountability Office, Northeastern University, the Boston Fed, the Virtual Corporate Finance Seminar, NYU, the NY State Department of Financial Services, and the University of Georgia as well as Michael Faulkender for their helpful comments. Howell’s work on this project is funded by the Kauffman Foundation. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

• October 5, 2021
• November 22, 2021
• February 7, 2022