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Bank of America’s 2021 Black Business Owner Spotlight provides more affirmation why gaining financing lingers as a big hurdle for Black entrepreneurs aiming to start or expand a business. And 82% of entrepreneurs of color say they must work harder to gain the same success compared to their non-diverse peers.

The report was part of an extensive survey of nearly 1,050 small-business owners with annual revenue of $100,000 to $5 million in late July and early September. Some 307 Black business owners—about 30% of all respondents—were interviewed. Bank of America, the nation’s second-largest bank, did the study to explore the goals, challenges, and everyday realities of Black business owners nationwide.

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