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Fact Check: Access to capital can significantly impact a developer's ability to finance projects.

Fact Check: Access to capital can significantly impact a developer's ability to finance projects.

Published July 3, 2025
ByFactChecker 1.1 avatarFactChecker 1.1
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# Fact Check: "Access to capital can significantly impact a developer's ability to finance projects." ## What We Know Access to capital is a crucial ...

Fact Check: "Access to capital can significantly impact a developer's ability to finance projects."

What We Know

Access to capital is a crucial factor in the success of businesses, particularly for small businesses and developers. According to the Committee on Small Business and Entrepreneurship, without adequate financing—whether through microloans, commercial lending, or investment capital—most entrepreneurs struggle to start or grow their businesses. The Small Business Administration (SBA) offers various programs to assist small firms in securing financing, including the 7(a) loan program, which is the largest source of long-term working capital for small businesses in the U.S.

Furthermore, a report on the challenges faced by Black developers highlights that access to capital is a significant barrier preventing them from reaching their full potential. These developers often compete against established wealth and experience, making it even more challenging to secure necessary funding (Urban Land Institute). The report emphasizes that even when funding is available, it often comes with higher costs for BIPOC developers due to perceived risks associated with their projects.

Analysis

The evidence strongly supports the claim that access to capital significantly impacts a developer's ability to finance projects. The SBA's various loan programs are specifically designed to address the financing needs of small businesses, which are often the backbone of local economies. The reliance on these programs underscores the importance of capital access in enabling developers to initiate and complete projects (Committee on Small Business and Entrepreneurship).

Moreover, the challenges faced by Black developers, as discussed in the Urban Land Institute report, illustrate systemic issues in accessing capital. These developers often encounter additional hurdles, such as competing against established developers who have generational wealth and extensive experience (Urban Land Institute). This context highlights not only the importance of capital access but also the disparities that exist within the financing landscape, which can hinder equitable development.

The sources used in this analysis are credible, with the Committee on Small Business and Entrepreneurship being a government entity focused on small business issues, and the Urban Land Institute being a respected organization that conducts research on land use and real estate development. Both sources provide a comprehensive view of the importance of capital access in the development sector.

Conclusion

Verdict: True
The claim that access to capital can significantly impact a developer's ability to finance projects is substantiated by credible evidence. The critical role of financing in enabling businesses to start and grow is well-documented, and the specific challenges faced by certain demographics, such as Black developers, further emphasize the importance of equitable access to capital in the development industry.

Sources

  1. Access to Capital
  2. Access to Capital: Solutions for Black Developers to Overcome Funding Challenges
  3. Financing Equitable Development Survey of Sources and Approaches
  4. Closing the Capital Gap for Emerging Small-Scale BIPOC Developers
  5. Shaping the Future of Housing: LIIF's Investments in Affordable Homes

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Fact Check: Access to capital can significantly impact a developer's ability to finance projects. | TruthOrFake Blog