How does company size an Larger and older firms have access to bank credit that may not be available to younger and smaller companies. Also, smaller firms tend to rely more on personal loans and credit cards for financing. In the early years of a business, most entrepreneurs bootstrap their financing—that is, they depend on their own initiative to come up with the necessary capital. Only after the business has an established track record will most bankers and other financial institutions be willing to provide financing. In addition, venture capitalists limit how much they will invest in startup companies. Many such investors believe the additional risk associated with startups is too great relative to the returns they can expect to receive. maturity affect access to financing?