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In this paper, multi-year, bank-level and firm-level surveys are combined with country-level panel data to measure the impact of bank competition, expressed by the H statistic, on firms’ access to finance. Besides, alternative impacts and an alternative measure of access to finance are also investigated. We find that bank competition increases firms’ access to finance and it is dependent on the environment where firms operate. In this matter, usage of a website, firm size, export involvement, government ownership and firm age are all factors that positively correlated to firms’ access to finance.