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{{Project|Has project output=The ProblemContent|Has sponsor=McNair CenterIn the area of capital, studies find that women do not get sufficient access to loans and venture capital. |Has title=Challenges Women owners start with almost half of the financial capital than men owners and raises less money when businesses grow.Entrepreneurs Face (Wiki Page)|Has owner=*On average, men |Has start their businesses with nearly twice as much capital as women ($135,000 vs. $75,000). This disparity is slightly larger among firms with high-growth potential ($320,000 vs. $150,000), and much larger in the Top 25 firms ($1.3 million vs. $210,000).(“Top 25”: the largest 25 firms for each gender, as measured by employment.)date=(Resource:[https://www.nwbc.gov/sites/default/files/Access%20to%20Capital%20by%20High%20Growth%20Women-Owned%20Businesses%20(Robb)%20-%20Final%20Draft.pdf Access to Capital by High-Growth Women-Owned Businesses]published by National Women’s Business Council in 2013.)|Has deadline=[[Image:Women_access_to_capital.jpg|frameHas keywords=|Histogram of start capital by gender]]Has notes=*Women account for only 16 percent of conventional small business loans and 17 percent SBA loans, even though they represent 30 percent of small firms.|Has project status=Complete*Of conventional small business loans, women only account for 4.4 percent of total dollar value of loans from all sources. In other words, just $1 of every $23 in conventional small business loans goes to a woman-owned business.|Is dependent on=(Resource: [http://www.microbiz.org/wp-content/uploads/2014/07/21st-Century-Barriers-to-Womens-Entrepreneurship.pdf 21st Century Barriers to Women’s Entrepreneurship]published by the 2014 Senate Small Business and Entrepreneurship Committee.)}}

In terms of loans and funding, statistics show that women account for only 16 percent of conventional small business loans and 17 percent SBA loans, even though they represent 30 percent of small firms. Of conventional small business loans, women only account for 4.4 percent of total dollar value of loans from all sources. In other words, just $1 of every $23 in conventional small business loans goes to a woman-owned business[http://www.microbiz.org/wp-content/uploads/2014/07/21st-Century-Barriers-to-Womens-Entrepreneurship.pdf].  ===Reasons===*Women -owners are more likely to be turned down for loans with less favorable term than men. Some , and some women do not apply for loans simply because they fear being turned down[http://ftp.iza.org/dp3718.pdf].*Differences in loan approval rates for men and women-owners might be explained by 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[https://www.*Women owners face lending discrimination when they operate in national instead questia.com/library/journal/1G1-63794901/access-to-capital-and-terms-of local markets. Study shows that women-owned businesses are viewed as more risky than white men owned businesses operated in the same market with the same observable credit characteristics-a-comparison].*Women owners use different sources of financing relative to men. Women are more likely to launch their businesses with large amounts of owner-provided equity and smaller amounts of outsider equity and outside sources of financing such as bank loans, angel investments and venture capital for their business ventures[http://poseidon01.ssrn.com/delivery.php?ID=381025121008120087104024019003087103121054040082031043106002102107085112081087083030118030122121033051020122116005026064106085028008022092000016078101075101094076004051082006101022115084095108107083024004005093086079095107125116074121024021005096125&EXT=pdf]. This might be explained in two ways. On the one hand, women appears to use outside financial sources less frequently may suggest that is their preference. On the other hand, the less frequent outside financial utilization can be seen as women are more likely to be turned down for outside financing or do not apply for outside financing because they fear being turned down.

(Resource*Women owners face lending discrimination when they operate in national instead of local markets. Study shows that women-owned businesses are viewed as more risky than white men owned businesses operated in the same market with the same observable credit characteristics[http://www.sciencedirect.com/science/article/pii/S0094119007000320]. ===Effects===Partly due to the financing and funding problem, women-owned firms are typically smaller than men owned firms. Average sales, assets, profits and employment for women owned firms are much lower than men-owned firms, and have grown in a slow rate. only 3% of majority women-owned businesses have revenue over $1 million compare to 6% of majority men-owned business. The average revenue of women-owned firms is 27% of the average revenue of men-owned firms, as of 2008[https://www.dolnwbc.gov/wbsites/mediadefault/Women-Owned_Businesses_in_The_21st_Centuryfiles/growthpap.pdf Women Owned Businesses in 21st Century]prepared by U.S Department  =Mentoring Gap=Although a notable amount of Commerce Economics existing programs provide useful services and Statistics Administration in Oct.2010) This good foundations through the early stages of business, there is a very comprehensive report on lack of offerings beyond these services. The need for women owned entrepreneurs pursuing high growth pathway(especially those transitioning from lower growth to high-growth strategies), however, tend to be more sophisticated and complex. These businesses need special mentoring at their critical transition phases. Women-owners in high-growth ventures often experience working capital deficiencies, lack experienced personnel, lack the USinternal processes and systems that enable scalability and may also face complex international matters. Moreover, concerning both status of these problem may be amplified for women -owned businesses because they tend to be smaller in size with less debt equity, have fewer employees, and have fewer networks to leverage[http://www.swc-cfc.gc.ca/initiatives/ep-ce/ep-ce-en.pdf]. Mentoring programs can give significant assistance to those fast growing companies that are facing greater market and organizational complexity and seeing new opportunities for growth.  Women entrepreneurs with high-growth firms require affordable, customized support services. They require committed mentors, who are experienced business leaders available to answer urgent questions and the role minimized unnecessary risks. These services are scarce in our current ecosystem. =Work-life Balance=Work-life balance is a challenge for many entrepreneurs regardless of their gender in business ownership, but mothers who start businesses may have dual responsibilities to their businesses and to their families. Finding a way to balance the two is not easy.

=Effects==Mompreneurs===*Women owned firms are typically smaller than men owned firms*Average sales/assets/profits/employment for women owned firms are much lower than men-owned firms, Mompreneur is a neologism defined as a female business owner who is actively balancing the role of mom and have grown the role of entrepreneur. A 2011 MSNBC article declared the rise of the mompreneur to be a hot trend in a slow rate(Resource:the small business sector[httpshttp://www.dolnbcnews.govcom/id/wb40969268/medians/Womenbusiness-Owned_Businesses_in_The_21st_Centurysmall_business/t/successful-mompreneurs/#.pdf Women Owned Businesses in 21st CenturyV1ryQvkrLRY]prepared by U.S Department Most of Commerce Economics and Statistics Administration mompreneurs are self-employed since self-employment promises more flexibility than wage earning occupations in Octwhich hours of work are rigid. And internet allowing mompreneur to sell products out of the home.2010)

=Efforts in Solving Overcoming the ProblemChallenges=*===From government:===

*===From Corporations:===

*===From Investors===There are more women investors:looking for women-led companies and supporting young and less experienced women entrepreneurs. Here is a [http://blog.girltank.org/angel-investors-looking-for-women-entrepreneurs/ Listlist] of angel investors focus on supporting women entrepreneurship.<!-- flush flush --><!-- flush flush --><!-- flush flush --><!-- flush -->