Financing of women-owned small and medium-sized enterprises in Canada / Lyming Huang and Patrice Rivard. : Iu188-161/2021E-PDF

“This report uses data from the 2017 Survey on Financing and Growth of Small and Medium Enterprises to study firm financing outcomes of women-owned small and medium-sized enterprises (SMEs). In particular, it examines whether, adjusting for firm and primary decision maker characteristics, there are gender differences associated with access to financing, debt financing approval and interest rates charged on debt financing. Results suggest that women owned firms are more likely than male-owned firms to be discouraged borrowers. Analysis of alternative metrics for access to financing — the likelihood of seeking external financing or of reporting that obtaining financing is an obstacle to growth — yields no evidence of gender differences. With respect to financing approval, results suggest that women-owned SMEs receive higher proportions of debt financing requested than male-owned SMEs; correspondingly, women-owned firms’ requests for debt financing are more likely to be approved. Finally, there is no evidence of gender differences in interest rates charged on debt financing”--Abstract, page 1.

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