Federico Beltrame is Associate Professor in Corporate Finance in the Department of Economics and Statistics, University of Udine, where he teaches corporate finance. He graduated in Economics at the University of Udine, where he also received his Ph.D. in Business Science. His main research interests are related to SMEs' cost of capital, banks' capital structure and mutual guarantee credit institutions.

Alex Sclip is Assistant Professor of Corporate Finance in the department of business administration of the University of Verona, where he teaches corporate finance at the undergraduate level and strategic finance at the graduate level. He has obtained his PhD from the University of Udine and has been visiting fellow at the Essex Business School (UK). His main research interests are in the field of empirical corporate finance and financial intermediation.

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