Why is it more difficult for entrepreneurs to get loans?

Las Women Entrepreneurs can face a series Challenges when creating a companySocial and gender stereotypes and prejudices, support and behavioral models and a limited network. However, many people have to make more obstacles to access Financial aidCompared to their male colleagues.

This is from the latest report of the Financial Agent Swub Fund, which analyzed more than 50,000 British companies. It was revealed that there are companies led by men 12 times more business credit Than Women are directedCompared to 9,500 million pounds (11.2 billion euros) and 769 million pounds (904.7 million euros). For a variety of reasons, such as development or expansion of this loan, this is less likely to compensate for costs or difficulties to the company.

The average business loan of men -led companies is 315,000 pounds (370.603,8 euros),, An average of 91,000 pounds for women led by women (107.034,7 euros).

According to the British Commercial Bank, every 1 pound (1.2 euros) in the United Kingdom and Entrepreneurs get less than 1 pens, while men’s company teams receive 89 pens. Mixed teams get 10 pens. For the current rhythm, teams formed exclusively by women It may take over 25 years In reaching 10% investments in the United Kingdom.

Why can men access money?

“The answer is simple: men They ask for financing before More than women. This is a simple answer, but there is no simple solution. It is a great way to start a business quickly and professionally, ”says Andrea Renaults, Managing Director of Swoop Fund.

Many women who start with Your own business They do it from the “kitchen table”, “he explains. Often, this means that they need to start their business instead of asking for credit. “

Know what help they are

Has contributed to this trend Lack of awareness In features such as loans for business creation, as well as deficit Marketing aimed at establishing women By credit companies.

“Credit providers can do more to run business women, especially for the loans for implementation, because there is a time to demand (three years from the beginning of the process),” Renaults says.

Cultural factors, such as the debt often found from the inherently negative prism, are difficult to see this for the entrepreneur Liability and PlanningOr a way to grow faster.

“We are always said to be a personal trade to be cautiously contracting, perhaps we may have rooted that we should save to buy the goods we want,” Renaults said.

He also says: “But Business Business is different: It is not offered for a holiday or a beautiful car, but Invest in an ideaYou must have planned that this investment will give you an effectiveness. “

Stassy-Rebecca Carlson, founder of Public Communication and Marketing Agency, has contributed to strengthening a bounce back loan from a government worth 25,000 pounds (29,405 euros). This promoted its long -term growth.

“We left the infection with a group that is capable of organizing events. Incredible people’s communication and spectacular digital marketing, which allowed our customers to provide a 360 -degree solution, after which we were able to get the company Create annually“Carlson explains the Swubb financial message.

How can women access more money?

One of the main ways to increase access to business loan is to get specific support Investment companies focusing on women And angels investors. In the Great Britain, the organizations that have signed the investment code in women in the United Kingdom are also a good help.

In the same way, the Network and training groupsLike female founders Rice Group, they can open their financial opportunities and be a source of financial wisdom.

Las Common grants And business accelerators may be another option. Among the Prince Trust Woman Entrepreneurship Program and other regional and local subsidies, the United Kingdom has subsidies for women -led women.

Middle Business Accelerators The United Kingdom is available for women, the National Week of Women’s Institute, the Women’s Network in Technology and the Investment in the Women’s Center refers to a few names.

Use the debt with wisdom

Once the fund is reached, it is base Know how to get used to it For a long time for the success and growth of the company.

One of the most important ways to do so is to establish Solid financial plan And a cash flow management strategy a Clear the budget. This means that all costs are calculated and a comprehensive forecast for income and cost/benefit rate is made before making large purchases or investments.

It is also important to know this In which business parts invest in Instead of indefinitely dependent on external funds and debts, increase the maximum long -term value and growth. This will help the founders invest in those areas from the beginning and get better yields before. These benefits can be re -invested in the company or repayment of loans. It is necessary to control the company’s long -term health Credit marksThis affects the amount of debts and who gives them.