Accepted Manuscript Title: Collateralization of business loans: Testing the prediction of theories Authors: Antonio Meles, Claudio Porzio, Gabriele Sampagnaro, Maria Grazia Starita, Vincenzo Verdoliva PII: S0275-5319(16)30136-2 DOI: http://dx.doi.org/doi:10.1016/j.ribaf.2017.07.027 Reference: RIBAF 717 To appear in: Research in International Business and Finance Received date: 6-7-2016 Revised date: 2-6-2017 Accepted date: 3-7-2017 Please cite this article as: Meles, Antonio, Porzio, Claudio, Sampagnaro, Gabriele, Starita, Maria Grazia, Verdoliva, Vincenzo, Collateralization of business loans: Testing the prediction of theories.Research in International Business and Finance http://dx.doi.org/10.1016/j.ribaf.2017.07.027 This is a PDF file of an unedited manuscript that has been accepted for publication. As a service to our customers we are providing this early version of the manuscript. The manuscript will undergo copyediting, typesetting, and review of the resulting proof before it is published in its final form. Please note that during the production process errors may be discovered which could affect the content, and all legal disclaimers that apply to the journal pertain.