As every entrepreneur can tell you, starting a business can be difficult. More so if you’re from a minority group in America. For black founders, especially, the challenges are numerous. For one thing, 80% of black entrepreneurs have reported challenges with capital or funding. Many of them resort to using their own savings and investments (70%), some turn to family and friends for a loan (23%), and others still tap into their 401(k) plans just to get the money. These challenges might even double if you’re a woman.