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[[category:{{Project|Has project output=Content|Has sponsor=McNair Projects]]Center|Has title=General StatusChallenges Women Entrepreneurs Face (Wiki Page)|Has owner=|Has start date=Education|Has deadline=|Has keywords=Industries|Has notes=|Has project status=Barriers of Women EntrepreneurshipComplete|Is dependent on=}}

==The Problem=Limited Access to Capital=In the area of capital, studies find that women do not get sufficient access to loans and venture capital. Women owners start with almost half of the financial capital than men owners and raises less money when businesses grow.*According to a report published by National Women’s Business Council,On average, men 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).(, where “Top 25”: represents the largest 25 firms for each gender, as measured by employment.)(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.)[[Image:Women_access_to_capital.jpg|frame|Histogram of start capital by gender]]*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.(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.)

==Reasons=Effects===*Women owners Partly due to the financing and funding problem, women-owned firms are more likely to be turned down for loans with less favorable term typically smaller than menowned firms. Some women do not apply for loans simply because they fear being turned down.*Differences in business credits Average sales, assets, firm size profits and business growth potential explain most of differences in loan approval rates employment for women owned firms are much lower than men -owned firms, and have grown in a slow rate. only 3% of majority women owners. Women owners tend to -owned businesses have lower business credit scores revenue over $1 million compare to 6% of majority men owners-owned business.*Women owners face lending discrimination when they operate in national instead The average revenue of local markets. Study shows that women-owned businesses are viewed as more risky than white firms is 27% of the average revenue of men -owned businesses operated in the same market with the same observable credit characteristicsfirms, as of 2008[https://www.nwbc.gov/sites/default/files/growthpap.pdf].*Women owners use different sources =Mentoring Gap=Although a notable amount of existing programs provide useful services and good foundations through the early stages of business, there is a lack of financing relative to menofferings beyond these services. Women are more likely The need for women entrepreneurs pursuing high growth pathway(especially those transitioning from lower growth to launch their businesses with large amounts of ownerhigh-provided equity and smaller amounts of outsider equity and outside sources of financing such as bank loansgrowth strategies), however, angel investments tend to be more sophisticated and venture capital for complex. These businesses need special mentoring at their business venturescritical transition phases. This might be explained Women-owners in two ways. On high-growth ventures often experience working capital deficiencies, lack experienced personnel, lack the one hand, women appears to use outside financial sources less frequently internal processes and systems that enable scalability and may suggest that is their preferencealso face complex international matters. On the other handMoreover, the less frequent outside financial utilization can these problem may be seen as amplified for women are more likely -owned businesses because they tend to be turned down for outside financing or do not apply for outside financing because they fear being turned down.*Women owners are more risk averse than mensmaller in size with less debt equity, have fewer employees, especially on financial risks and business ventures.(Resource:have fewer networks to leverage[httpshttp://www.dolswc-cfc.gc.govca/wbinitiatives/mediaep-ce/Womenep-ce-Owned_Businesses_in_The_21st_Centuryen.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 Owned Businesses in 21st Century]prepared by Uentrepreneurs with high-growth firms require affordable, customized support services.S Department of Commerce Economics They require committed mentors, who are experienced business leaders available to answer urgent questions and Statistics Administration minimized unnecessary risks. These services are scarce in Octour current ecosystem.2010) This  =Work-life Balance=Work-life balance is a very comprehensive report on women owned challenge for many entrepreneurs regardless of their gender, but mothers who start businesses in the US, concerning both status of women owned may have dual responsibilities to their businesses and to their families. Finding a way to balance the role of gender in business ownershiptwo 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/40969268/ns/wbbusiness-small_business/mediat/Womensuccessful-Owned_Businesses_in_The_21st_Centurymompreneurs/#.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)

=Overcoming the Challenges==Efforts in Solving the Problem==*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 -->