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This lending playbook serves as a roadmap for reimagining our approach to lending, aiming to build a more inclusive financial environment for underserved business owners. It provides lenders with crucial strategies, case studies, and resources needed to create and offer financial products that grant small business owners access to capital for starting or expanding their businesses in a fair and equitable lending environment.

This white paper gets into the tough spots that Black and Brown communities hit during the COVID-19 pandemic when it came to getting small business loans. It’s all about how CDFIs in California are making moves to level the playing field by rethinking old school loan rules, pushing for fair policies, and making sure minority-owned businesses get a fighting chance.

This policy playbook is all about stepping up and helping out Black and Brown entrepreneurs in California by fixing some old issues in the way small businesses get funded. It’s like a roadmap for community lenders and nonprofits, showing everyone—from the local banks to policymakers—how we can make things more fair. It’s also about breaking down barriers and stirring up some real change, making sure everyone has the same shot at success.

This publication uses data from the 2022 Small Business Credit Survey (SBCS) to examine startup firms owned by people of color (that is, firms owned by people of color that launched in 2020 or later). Overall, startups of color tend to be smaller and in slightly worse financial condition than their white-owned counterparts, though startups—regardless of race or ethnicity of firm ownership—are generally on precarious financial footing. 

This lending playbook serves as a roadmap for reimagining our approach to lending, aiming to build a more inclusive financial environment for underserved business owners. It provides lenders with crucial strategies, case studies, and resources needed to create and offer financial products that grant small business owners access to capital for starting or expanding their businesses in a fair and equitable lending environment.

This white paper gets into the tough spots that Black and Brown communities hit during the COVID-19 pandemic when it came to getting small business loans. It's all about how CDFIs in California are making moves to level the playing field by rethinking old school loan rules, pushing for fair policies, and making sure minority-owned businesses get a fighting chance.

This white paper gets into the tough spots that Black and Brown communities hit during the COVID-19 pandemic when it came to getting small business loans. It's all about how CDFIs in California are making moves to level the playing field by rethinking old school loan rules, pushing for fair policies, and making sure minority-owned businesses get a fighting chance.

This white paper gets into the tough spots that Black and Brown communities hit during the COVID-19 pandemic when it came to getting small business loans. It's all about how CDFIs in California are making moves to level the playing field by rethinking old school loan rules, pushing for fair policies, and making sure minority-owned businesses get a fighting chance.

This policy playbook is all about stepping up and helping out Black and Brown entrepreneurs in California by fixing some old issues in the way small businesses get funded. It's like a roadmap for community lenders and nonprofits, showing everyone—from the local banks to policymakers—how we can make things more fair. It's also about breaking down barriers and stirring up some real change, making sure everyone has the same shot at success.