COVID Relief Loans Didn’t Add Up For LGBTQ-Owned Businesses

After Lisa Smith, 60, was rejected for a Paycheck Protection Program loan that would have helped pay the utility bills at her business, she decided to sell her house and move into the back storeroom of Compass Tea Room. The business is the only designated safe space for LGBTQ people in the small mountain town of Luray, Virginia, Smith said.....Claire Thornton
LGBTQ-owned small businesses received COVID-19 relief funds at a lower rate than their non-LGBTQ counterparts, even as they were more likely to apply for loans during the pandemic, according to researchers.

The report, published by the Center for LGBTQ Economic Advancement and Research and Movement Advancement Project, analyzed data from the Federal Reserve Banks’ annual Small Business Credit Survey, which included questions about LGBTQ identities for the first time in 2021.

Experts told USA TODAY that “poorer economic conditions” on average among LGBTQ-owned small businesses hurt them when it came time to apply for COVID relief – even though Congress said it “targeted funding to the smallest and minority-owned businesses.”

Paycheck Protection Program loan applications included a section where businesses could report being woman-owned, minority-owned or veteran-owned. But the Small Business Administration, which administered PPP loans, did not include a section “for business owners to distinguish their businesses as LGBTQ-owned,” the SBA told USA TODAY in a statement.

“The lack of visibility of queer people really does mean that our concerns are overlooked,” said Spencer Watson, executive director of CLEAR. After 60 years of queer political activism, they said, “It’s time for our government institutions to wake up and realize that they need to support queer communities.”

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Even if loan providers weren’t discriminating against businesses because of their LGBTQ ties, the percentage of businesses rejected for loans indicates underlying systemic economic discrimination, said Logan Casey, a policy researcher at MAP.

The report, published this summer, found a greater share of LGBTQ-owned small businesses (57%) applied for PPP loans during the pandemic, compared to non-LGBTQ-owned businesses (47%). But only 54% of LGBTQ-owned businesses got the funds they applied for, compared to 68% of non-LGBTQ-owned small businesses.

How Small Business Administration rule may ease LGBTQ biases in lending

In addition to being in poorer financial health, LGBTQ-owned small businesses were more likely to report they thought they were rejected for loans because “lenders do not approve financing for businesses like mine,” according to the report.

Historically, lenders have been prohibited from making loans to LGBTQ-related businesses, and that precedent is still affecting loan application decisions, Watson said.  They pointed to a rule still on the books of the SBA that says businesses that get revenue from products or displays with a “prurient sexual nature” are not eligible for loans.

“You can imagine all these different scenarios where, if a person doesn’t approve of whatever it is, these broadly categorized and poorly defined restrictions give them a venue for covering the discrimination behind that decision,” Watson said.

If a loan provider is not familiar with LGBTQ culture or the LGBTQ community, they may also be less likely to grasp a business concept and more likely to reject a loan application, Watson said.

The Equality Act, passed by the House of Representatives in 2021, would enact non-discrimination protections for LGBTQ people in credit and banking. The bill’s future in the equally-divided Senate is uncertain, even a year after it passed the House.

How financial discrimination can become ‘a self-fulfilling prophecy’

When Lisa Smith, who owns Compass Tea Room in Luray, Virginia, was rejected in fall 2020 for a $2,500 PPP loan that would have helped pay utility bills, her best remaining option was to sell her home and move into the back storeroom of her business with her dog, Loki.

She was rejected by the SBA because she is her only employee and doesn’t have documentation of paychecks, she said. “Basically, my register is my ATM,” Smith said.

Money from the Paycheck Protection Program could have been used for “mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations,” according to the SBA‘s website.

“Sole proprietors, independent contractors, and self-employed persons” were eligible for the loans, as well as bigger companies, according to the SBA. But experts told USA TODAY that people who didn’t have much experience getting their businesses financed before the pandemic were at a disadvantage.

So when Smith, who identifies as queer, dipped into personal funds to keep her business open, she became part of a larger trend.

“Economic insecurity at higher levels in our community to start with, that makes for businesses being on rockier footing to start with. And then continuing to face that discrimination in financing becomes a self-fulfilling prophecy,” Casey said.

LGBTQ-owned small businesses that participated in the Federal Reserve Banks’ survey said they thought they were rejected because they had profitability issues, poor credit ora lack of paycheck documentation – like Smith, according to the report.

In general, banks were more willing to lend to more established and profitable businesses, which perpetuates the financial shakiness of businesses in marginalized communities, Watson said.

Banks “trusted their large partners” during the pandemic, leading to many loans being given to “large businesses that didn’t really need it but were probably good bets,” Watson said.

That’s one reason why “we’re seeing that these smaller LGBTQ-owned businesses didn’t maybe get as much,” Watson said.

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Businesses that were able to get PPP loans are still eligible to have the loans forgiven, according to the SBA. But LGBTQ-owned small businesses also fared worse than their non-LGBTQ counterparts on forgiveness.

The report from CLEAR and MAP found 78% of LGBTQ-owned businesses got full forgiveness for the loans, compared to 88% of non-LGBTQ-owned businesses.

Because they didn’t get the financial support “they were owed,” Watson said, “LGBTQ-owned businesses are going to recover much more slowly from the pandemic and continue to suffer scars from this period.”

By: Claire Thornton

Source: COVID relief loans didn’t add up for LGBTQ-owned businesses: study

Critics:

SBA’s Network for LGBTQ+ Businesses aims to bring focus on economic empowerment in the LGBTQ+ business community by providing access to the U.S. Small Business Administration’s programs and services.

Business owners can use our local assistance tool to find nearby offices and resources. There, you can get counseling on whether our 8(a) Business Development Program is right for you.

The SBA conducts outreach to be more inclusive of LGBTQ+ business owners, and our staff welcomes and recognizes the importance of greater inclusion at all levels and in all communities.

A number of District Offices have a strategic alliance with the LGBTQ+ business community.

Interested in certifying your LGBTQ+-owned business? The National LGBT Chamber of Commerce offers a certification for LGBTQ-owned small businesses.

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Levidio Royal Podcasting                        https://jvz6.com/c/202927/384025/
Linkable DFY                       https://jvz6.com/c/202927/385873/
Linkomatic                            https://jvz2.com/c/202927/380937/
LiteTrading                                 https://www.litefinance.com/?uid=929237543
Live Your Truth                       https://jvz6.com/c/202927/379020
Living An Intentional Life              https://jvzoo.com/c/202927/382455
Living an International Life                  https://jvz8.com/c/202927/382455/
Local Leader                   https://jvz4.com/c/202927/383751/
Local Sites                  https://jvz4.com/c/202927/380543/
LocalAgencyBox                 https://jvz2.com/c/202927/359468
LocalCentric                            https://jvz2.com/c/202927/379339/
MarketAll      https://jvz2.com/c/202927/386971/
Marketingblocks             https://jvz6.com/c/202927/374934
MarketPresso                  https://jvz2.com/c/202927/369837
Mat1 Simple Funnel                            https://jvz2.com/c/202927/380197/
Maxslides                         https://jvz8.com/c/202927/376842
Mech Forex Robot                           https://jvz6.com/c/202927/383447/
MediaCloudPro                 https://jvz2.com/c/202927/343635
Megasuite                         https://jvz3.com/c/202927/383953/
Mobi First                          https://jvz2.com/c/202927/353694/
Motion Kingdom Studio                    https://jvz4.com/c/202927/383177/
Movid Animation                     https://jvz6.com/c/202927/380385/
MT4Code System                  https://jvz2.com/c/202927/376925
My Passive Income                  https://jvz1.com/c/202927/384099/
MyMailIt                              https://jvz3.com/c/202927/292919
MyTrafficJacker               https://jvz2.com/c/202927/353558
Next Drive                      https://jvz4.com/c/202927/371095/
NichBox               https://jvz2.com/c/202927/370705/
Organic Life Guide                 https://jvz8.com/c/202927/366872/
Phemex              https://phemex.com/register-vt1?referralCode=D8HUS2
Photokit                           https://jvz4.com/c/202927/373207/
PicsAds                         https://jvz2.com/c/202927/385468/
PigMoney Metho                     https://jvz4.com/c/202927/377665/   d
PigMoneyMethod                        https://jvz2.com/c/202927/377665/
Pitchdeck                      https://jvz3.com/c/202927/347847/
Pixal                     https://jvz2.com/c/202927/378775/
PixaStudio      https://jvz1.com/c/202927/373089/
Pixivid                           https://jvz6.com/c/202927/385213/
PlanB Muscle Growth              https://jvz1.com/c/202927/36517/
PlayerNeos                 https://jvz2.com/c/202927/376962
Podcast Advantage                        https://jvz8.com/c/202927/379995/
Podcast Masterclass               https://jvz3.com/c/202927/379998/
PodKastr                 https://jvz1.com/c/202927/369500/
Postradamus                              https://jvz6.com/c/202927/108695
Power Reviews                     https://jvz8.com/c/202927/384625/
Powrsuite                       https://jvz1.com/c/202927/376361
PR Rage                        https://jvz4.com/c/202927/343405
prime stocks                              https://jvz8.com/c/202927/369164  prime stocks
Profile mate                           https://jvz4.com/c/202927/358049
Promovidz                      https://jvz8.com/c/202927/375692/
Push Button Traffic         https://jvz2.com/c/202927/301402
QR Verse                      https://jvz3.com/c/202927/383865/
Quintex Capital                         https://quintexcapital.com/?ref=arminham
Quit Smoking                           https://jvz3.com/c/202927/359081/
QuizMatic          https://jvz6.com/c/202927/387116/
Reputor                 https://jvz8.com/c/202927/380159/
ReVideo                     https://jvzoo.com/c/202927/381761
ReviewReel                        https://jvz6.com/c/202927/382663/
Rewriter                      https://jvz4.com/c/202927/353373/
RSI SEO                              https://jvz6.com/c/202927/384381/
Scriptdio                       https://jvz4.com/c/202927/385387/
Seniors Income                        https://jvz2.com/c/202927/383888/
Senuke                                  https://jvz6.com/c/202927/279944
ShopABot                           https://jvz2.com/c/202927/291955
ShopFunnels                        https://jvz3.com/c/202927/384069/
SocialAgency360                 https://jvz1.com/c/202927/385357/
SociCake                       https://jvz2.com/c/202927/321987
Socifeed                          https://jvz6.com/c/202927/375706
SociJam                    https://jvz2.com/c/202927/309649
Soronity                                 https://jvz6.com/c/202927/368736
SqribbleEbook                 https://jvz6.com/c/202927/283867
Stackable Picture                        https://jvz1.com/c/202927/385046/
Steven Alvey’s                      https://jvz2.com/c/202927/351754
Stoodaio                                    https://jvz1.com/c/202927/372094
Storymate                         https://jvz3.com/c/202927/320972
StreamPilot                        https://jvz2.com/c/202927/385431/
Studioninja                       https://jvz1.com/c/202927/374965
Sunday Freebie                             https://jvz1.com/c/202927/267113/
Super backdrop                https://jvz8.com/c/202927/376524
Survai                      https://jvz8.com/c/202927/380933/
Syndranker                          https://jvz3.com/c/202927/378143/
Talkingfaces                    https://jvz3.com/c/202927/375550
The Internet Marketing                https://jvz2.com/c/202927/289944
Tonai Voice Content           https://jvz8.com/c/202927/383119/
Toon Video Maker                   https://jvz2.com/c/202927/357201
TrafficFor                https://jvz8.com/c/202927/381950/
TrafficForU                   https://jvz3.com/c/202927/381950/
Trendio                       https://jvz3.com/c/202927/381003/
TubePal                        https://jvz6.com/c/202927/379863/
Tubeserp                        https://jvz3.com/c/202927/370472
TubeTargeter                   https://jvz6.com/c/202927/377211
TuneMingo      https://jvz3.com/c/202927/386556/
TV Boss Fire                https://jvz6.com/c/202927/379480/
Ultrafunnels A.I                 https://jvz2.com/c/202927/381129/
VIADZ Ad Template                    https://jvz4.com/c/202927/379307/
Vidcentric                             https://jvz4.com/c/202927/376095
Viddeyo                                https://jvz6.com/c/202927/382326/
Videevolve                       https://jvz4.com/c/202927/381011/
Video Campaignor      https://jvz4.com/c/202927/387058/
Video Games                            https://jvz3.com/c/202927/184902/
VideoEnginePro                https://jvz2.com/c/202927/372916
VideoGameSuite                     https://jvz3.com/c/202927/366537/
VideoRobot Enterprise                https://jvz8.com/c/202927/291061
VidKreate                        https://jvz6.com/c/202927/386029/
VidMingo                           https://jvz6.com/c/202927/378359/
VidSnatcher                           https://jvz3.com/c/202927/342585
VidVoicer                      https://jvz1.com/c/202927/379983/
Vidzura                       https://jvz4.com/c/202927/385754/
Viral dash                            https://jvz6.com/c/202927/375959
Viral Quotes            https://jvz2.com/c/202927/386984/
VirtualReel                       https://jvz8.com/c/202927/376849
Vocalic                    https://jvz2.com/c/202927/383848/
VoiceBuddy                      https://jvz1.com/c/202927/342854
WebCop                         https://jvz4.com/c/202927/378683/
Webinarkit                       https://jvz3.com/c/202927/383937/
Webprimo                   https://jvz1.com/c/202927/379455/   Website Builder
WordPress Mastery                       https://jvz1.com/c/202927/386249/
WOW Backgrounds                      https://jvz3.com/c/202927/381615/
WowBackgraounds                       https://jvz2.com/c/202927/381556/
WP GDPR                                https://jvz8.com/c/202927/299907
WP Simulator                    https://jvz3.com/c/202927/46987/
Writer Arc           https://jvz1.com/c/202927/386602/
writing job                                  https://jvz8.com/c/202927/213027
XBrain Forex                           https://jvz3.com/c/202927/372305/
XFUNNELS                         https://jvz2.com/c/202927/310335
Xinemax                    https://jvz1.com/c/202927/381749/
YoDrive                    https://jvz2.com/c/202927/384700/
Your 3DPal                https://jvz2.com/c/202927/381685/
YTSuite                       https://jvzoo.com/c/202927/381179

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