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Almi. (no date). Om Almi. Retrieved June 4th from http://www.almi.se/om_almi.html

Alvesson, M., & Sköldberg, K. (1994). Tolkning och Reflektion: Vetenskapsfilosofi och Kvalitativ metod. Lund: Studentlitteratur.

Bankföreningen. (2007). Bankföreningen kräver att förmånsrätten ska återställas. Retrieved April 12th from

http://www.bankforeningen.se/Nyheter%20-%20f%C3%B6rsta%20sidan/Bankf%C3%B6reningen%20kr%C3%A4ver%20att%20f%C3% B6rm%C3%A5nsr%C3%A4tten%20ska%20%C3%A5terst%C3%A4llas.aspx

Berger, A.N., & Udell, G.F. (1995). Relationship Lending and Lines of Credit in Small Firm Finance. The Journal of Business 6(3), 351-381.

Berger, A.N., & Udell, G.F. (1998). The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle. Journal of Banking and Finance 22(3), 1-52.

Berger, A.N., & Udell, G.F. (2002). Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure. The Economic Journal 112(447), F32-F53.

Berger, A.N., & Udell, G.F. (2006). A more complete conceptual framework for SME finance. Journal of banking & finance 30(11), 2945-2966.

Bhaird, C., & Lucey, B. (2007). The Financial Growth Life Cycle: An Empirical Examination of Irish SMEs. Retrieved April 20th 2008 from

http://papers.ssrn.com/sol3/papers.cfm?abstract_id=991296

Bhide, A. (1992). Bootstrap Finance: The Art of Start-ups. Harvard Review 70(6), 109-117. Broomé, P., Elmér, L., & Nylén, B. (1998). Kreditgivning till företag. Lund: Studentlitteratur. Cressy, R., & Olofsson, C (1997). The Financial Conditions for Swedisch SMEs: Survey and Research Agenda. Small Business Economics 9(2), 179-194.

Deakins, D., & Hussain, G. (1994). Risk Assessment with Asymmetric Information. International Journal of Bank Marketing 12(1), 24-31.

De Gobbi, M.S. (2003). Mutual Guarantee Associations for Small and Micro-Entrepreneurs: Lessons Learned from Europe and Africa. R&D Management 15(1), 23-34

Denscombe, M. (2000). Forskningshandboken: för småskaliga forskningsprojekt inom samhällsvetenskaperna. Lund: Studentlitteratur

Elyasiani, E., & Goldberg, L.G. (2004). Relationship lending: a survey of the literature. Journal of Economics and Business 56(4), 315-330.

Finansinspektionen. (2005). Företagens interna kapitalutvärdering, att bedöma kapitalbehovet under Basel II. Retrieved April 12th from

http://www.fi.se/upload/20_Publicerat/30_Sagt_och_utrett/10_Rapporter/2005/Rapport2005_ 8.pdf

Gendron, G. (1999, augusti). The Annals of Bootstrapping. Vito Alui Magazine, s 11. Fletcher, M. (1995). Decision Making by Scottish Bank Managers. International Journal of Entrepreneurial Behaviour & Research 1(2), 37-53.

Frank, M.Z., & Goyal, V.K. (2003). Testing the pecking order theory of capital structure. Journal of Financial Economics 67(2), 217-248.

Gwin, C.R., Park, B., & Ong, S.E. (2001). Overcoming Adverse Selection in Buying an Existing Home. Journal of Property Investment & Finance 19(3), 283-295.

Handelsbanken. (no date). Handelsbanken. Retrieved April 20th from

http://www.handelsbanken.se/shb/INeT/IStartSv.nsf/FrameSet?OpenView&iddef=omba nken&navid=Investor_Relations&sa=/shb/INeT/ICentSv.nsf/Default/q700BBE2F5 D0AE8B2C12571F10024A224

Harrison, R., Mason, C., & Girling, P. (2004). Financial bootstrapping and venture

development in the software industry. Entrepreneurship & Regional Development 16(4), 307-333.

Hyytinen, A., & Väänänen, L. (2006). Where Do Financial Constraints Orginate from? An Empirical Analysis of Adverse Selection and Moral Hazard in Capital Markets. Small Business Economics 27(4&5), 323-348.

Johansson-Lindfors, M.B. (1993). Att utveckla kunskap: om metodologiska och andra vägval vid samhällsvetenskaplig kunskapsbildning. Lund: Studentlitteratur.

Kreditgarantiföreningen. (no date). Landsomfattande nätverk för kreditgarantier. Retrieved April 10th from http://www.kreditgaranti.se/region.htm

Lean, J., & Tucker, J. (2001). Information Asymmetry, Small Firm Finance and the Role of Government. Journal of Finance and Management in Public Services 1(1), 43-60.

Lean, J., & Tucker, J. (2003). Small firm finance and pubic policy. Journal of Small Business and Enterprise Development 10(1), 50-61.

Levitsky, J. (1997). SME Guarantee Schemes: A Summary. The Financier 4(1&2), 5-11. Nordea. ( no date). Fakta om Nordea. Retrieved April 20th from

http://www.nordea.com/Om+Nordea/Fakta+om+Nordea/831072.html

Norrlandsfonden. (no date). En möjlighet att växa – exklusivt för norrlänningar. Retrieved June 4th from

http://www.norrlandsfonden.se/om/presentation

Nutek. (no date a). Finansiera starten. Retrieved April 11th from http://www.nutek.se/sb/d/511

Nutek. (No date b). Kreditgarantiföreningar. Retrieved April 15th, 2008 from http://www.nutek.se/sb/d/121

Nutek. (2007c). Kreditgarantiverksamhet i ett europeiskt perspektiv. Retrieved April 12th from

http://www.nutek.se/content/1/c4/49/72/Kreditgarantif%F6reningar%20i%20ett%20europeisk t%20perspektiv.pdf

Paul, S., Whittam, G., & Wyper, J. (2007). The pecking order hypothesis: does it apply to start-up firms?. Journal of Small Business and Enterprise Development 14(1), 8-21.

Riding, A., Manill, J., & Haines, G. (2007). Incrementality of SME Loan Guarantees. Small Business Economics 29(1&2), 47-61.

SEB.(no date). SEB. Retrieved April 20th from

http://www.seb.se/pow/wcp/sebgroup.asp?website=TAB1&lang=se

Sparbanken Nord. ( no date). Om Sparbanken Nord. Retrieved April 20th from http://www.sparbanken-nord.se/sst/inf/out/infOutWww1/0,,48882,00.html

Statistiska Centralbyrån. (no date). Aktuell statistik ur företagsregistret. Retrieved April 5th from http://www.scb.se/templates/Standard____34546.asp

Svenskt Näringsliv. (2007a). Fler och växande småföretag. Retrieved April 11th, 2008 from http://www.svensktnaringsliv.se/multimedia/archive/00002/Fler_och_v_xande_sm_f_2648a.p df

Svenskt Näringsliv. (2001b). Snabbväxande företag i tjänstesektorn. Retrieved April 11th from

http://www.svensktnaringsliv.se/multimedia/archive/00000/Snabbv_xande_f_retag_i_142a.pd f

Svenskt Näringsliv. (2006 c). Från trygg hamn till öppet hav. Retrieved April 12th from

http://www.svensktnaringsliv.se/multimedia/archive/00000/Fr_n_trygg_hamn_till___617a.pd fSwedbank. (no date). Basel II – internationella regler för kapitaltäckning. Retrieved April 12th from

http://www.swedbank.se/sst/inf/out/infOutWww1/0,,160829,00.html

Swedbank. ( no date b). Fakta om Swedbank. Retrieved April 20th from http://www.swedbank.se/sst/inf/out/infOutWww1/0,,160065,00.html Thurén, T. (2004). Vetenskapsteori för nybörjare. Stockholm: Liber.

Waterman, R.W., Meier, K.J. (1998). Principal-Agent Models: An Expansion?. Journal of Public Administration Research and Theory 8(2), 173-202.

Wennberg, I. (2007, oktober). Kreditgarantiföreningar – en vinstlott både för bank och låntagare [electronic version]. Nytt från revisorn, s 14-16.

Winborg, J., & Landström, H. (2001). Financial bootstrapping in small businesses Examining small business managers' resource acquisition behaviours. Journal of Business Venturing 16(3), 235-254.

Winborg, J. (1997). Finance in Small Business; A widened approach to small business managers´ handling of finance. Lund: Scandinavian Institute for Research in

Entrepreneurship.

Zackrisson, M. (2003). Financial Systems and the Financing of High-technology Small Firms. Linköping: Institutionen för Tema, Linköpings universitet.

Personliga intervjuer Nordea 2008-04-25, 10.00-10.20 Handelsbanken 2008-05-05, 16.00-16.25 Sparbanken Nord 2008-05-06, 16.00-16.45 Swedbank Skellefteå 2008-05-07, 08.00-08-40 Handelsbanken Skellefteå 2008-05-07, 10.00-10.25 Övre Norrlands KGF 2008-05-07, 14.00-15.00 Skandinaviska Enskilda Banken 2008-05-08, 10.00-10.30

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