| Model | Unstandardized Coefficients | Standardized Coefficients | T | Sig. | ||
| B | Std. Error | Beta | ||||
| 1 | Constant | 2.725 | 0.286 | 9.537 | 0.000 | |
| Start-up Capital | 0.168 | 0.052 | 0.186 | 3.227 | 0.001 | |
| Nature of Business | −0.525 | 0.118 | −0.229 | −4.455 | 0.000 | |
| Purpose of Credit | −0.162 | 0.057 | −0.147 | −2.844 | 0.005 | |