Effects of Concentrated Ownership and Owner Management on Small Business Debt Financing*Footnote^*

* The authors would like to thank Professor Jess H. Chua at the University of Calgary, two anonymous referees, the associate editor (Professor Gary J. Castrogiovanni), the editor (Professor Chandra S. Mishra), and referees from the 2005 Administrative Sciences Association of Canada (ASAC) Annual Meeting and from the 2005 Financial Management Association (FMA) Annual Meeting for their valuable comments and insights. All remaining errors are the sole responsibility of the authors.

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