=Reasons=
*Women owners are more likely to be turned down for loans with less favorable term than men.Some women do not apply for loans simply because they fear being turned down.
*Differences in business credits, firm size and business growth potential explain most of differences in loan approval rates for men and women owners. Women owners tend to have lower business credit scores compare to men owners.
*Women owners face lending discrimination when they operate in national instead of local markets. Study shows that women-owned businesses operated in the same market with the same observable credit characteristics.