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Policy Corner

WIPP’s Women Accessing Capital Program will provide the information and resources you need to break down the barriers between your business and money. The national program is designed to educate you on all steps of accessing capital including – understanding and evaluating funding sources, creating a strong application for capital, and managing and maintaining growth.

Capital is the lifeline of business. The ability to secure funding and credit is often the determinant of an entrepreneur’s opportunity to start or grow a business. For women, however, accessing capital continues to be difficult. In 2013, less than one in three loan applications for women-owned firms were approved. A 2014 Senate Committee on Small Business & Entrepreneurship report on barriers to women’s entrepreneurship found that women receive only 16 percent of conventional small business loans. This amounts to 4.4 percent of the total dollar value of all small business loans, leaving women-owned small businesses with only $1 out of every $23 that is being loaned to small businesses.

To address the crisis of capital access faced by women entrepreneurs, WIPP has laid out a platform, Breaking the Bank: Women Entrepreneurs & the Need for Capital, which offers a broad array of policy changes that would benefit women business owners trying to obtain capital for growth.

The platform divides recommendations into three sections: changing capital infrastructure, supporting small lending institutions, and strengthening government investment. The eleven recommendations range from simplified intellectual property filings to ending a “one-size-fits-all” approach to lending regulation to modernizing credit-scoring models. Groundwork to build support in Congress for individual provisions is already underway.

Read WIPP’s access to capital platform for women business owners here.


H.R. 4168, The Small Business Capital Formation Enhancement Act

H.R. 4027& S. 2126, The Women’s Small Business Ownership Act of 2015

S. 2125 – Small Business Lending and Inequality Reduction Act of 2015


SEC Finalizes Equity Crowdfunding Rules Opening the Door to Additional Capital for Small Businesses -11/9/15

From The Hill: Dodd-Frank’s Impact on Small Business Lending – 9/18//15

WIPP CREED Act Support Letter – 8/4/15

WIPP Announces New Access to Capital Platform to Address Funding Barriers for Women Entrepreneurs – 6/24/15

Small Business Committee Passes Record Breaking Number of Bills – 4/27/15

House Votes on Appropriations while Both Chambers Reconcile Budget Difference – 4/20/15

Promising Future for Equity-Based Crowdfunding – 4/14/15


Marking the 50th Anniversary of the passage of the Equal Pay Act

FAQs about Small Business Finance

Women’s Access to Capital

Drilling Down: What Small Businesses Should Know About Crowd Funding?

Small Business Credit Cards: Know the Ropes

Small Business Q&A: Can an IRA Fund a Start-Up?

How to Get an SBA Loan

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Already WIPP Member and interested in joining the Access to Capital Committee? Please click here to read more about the Committee or call AnnaKate Moeller at (415) 434-4314 to join.