Ethnic minorities and women can be eligible for minority business loans that are designed to help support their ventures. If you are in this population you have vast resources available to help level the playing field. These programs are often government supported.
The Small Business Association (SBA) is the ideal place to start looking for resources. Minority business loans are allocated to individuals who show a need for funding, a good credit history and a sound business plan. This is a winning combination that commands attention.