This fact sheet produces a snapshot of information on business owners that are unlikely to get credit or loans from banks. Nationally, minorities account for a disproportionate share of the repudiated stemming from lack of monetary resources, insufficient credit, and systemic enforcement. Including Buffalo figures of inequality across areas like poverty, homeownership, transportation, and segregation demonstrates the disadvantaged footing faced by minority business owners in the city which is further exacerbated by Covid-19.