| Authors | Title | Country(ies) | Years | Data Sources | Sample | Dependent Variables | Independent Variables | Econometric model |
| | Are Small Innovators Credit Rationed? | Scotland, Northumberland, County Durham, Tyne and Wear, Teeside and Cumbria | 1998-2001 | Survey of Enterprise in Northern Britain | 256 Firms | Loan Application Success | R & D Expenditure, Innovation Output | Tobit |
| | Do Banks Value Innovation? Evidence from US firms | United States of America | 1987-2004 | NBER, PATSTAT of EPO, DealScan | 933 Firms | Loan Spread | R & D Productivity, Patents | OLS, Probit |
| | The demand and supply of external finance for innovative firms | United States of America, United Kingdom | 2004-2005 | Joined Survey of University of Cambridge and MIT | 3669 Firms | Petition to Obtain External Finance, Application Success | R & D Intensity, Innovation Output, Patents | Bivariate Probit with Selection |
| | Access to finance for innovative SMEs since the financial crisis | United Kingdom | 2007-2008 2010-2012 | UK Small Business Survey | 10,708 Firms | Access to Finance, Difficulty of Access | Innovation output | Probit with Heckman Selection Effects |
| | ICT adoption, innovation, and SME’s access to finance | Global | 2006-2020 | World Bank Enterprise Survey | 38,588 Firms | Access to Finance | Innovation index, Innovation output | OLS, 2SLS, Probit |