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      "text": "01 Innovative underwriting approaches that evaluate creditworthiness more expansively. 02 Increased access to financing through flexible, small-scale programs and policies. 03 Small business empowerment with financial coaching and expanded access to digital tools. 04 Increased transparency and engagement between funders and communities of color to build trust.",
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      "text": "We conducted surveys with more than 1,000 current and former business owners and residents in Richmond, Virginia and engaged in on-the-ground conversations with 21 community organizations that provide support to local business owners.",
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      "text": "For Black and Hispanic entrepreneurs, business ownership represents a powerful tool for shrinking the racial wealth gap. But the challenges—including unequal access to capital and business support systems—are significant. BCG partnered with the Capital One Insights Center to better understand the experiences of these entrepreneurs and the requirements for change.",
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      "text": "The findings were revealing. We learned that entrepreneurship can be a path to wealth generation for Black and Hispanic communities—but for that to happen, the private and public sectors must take action to level the playing field. And, importantly, these actions have the potential to expand opportunity for small business owners of all backgrounds.",
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