unclassified

other

WOMEN IN BUSINESS: 2007–2010
 

TOP FOUR SOURCES OF EXPANSION CAPITAL 

WOB expansions WOB constants WOB contractions WOB deaths MOB expansions MOB constants MOB contractions MOB deaths 

PERSONAL/FAMILY BUSINESS LOAN FROM BANK/ BUSINESS PROFITS PERSONAL/BUSINESS 

SAVINGS OF OWNERS FINANCIAL INSTITUTION AND/OR ASSETS CREDIT CARDS 

25.0% 16.8%	 29.1% 15.2% 29.4%	 25.5% 27.9%	 28.3% 

23.8% 15.3% 28.4% 14.0% 28.3%	 23.7% 

25.0%	 $ 25.0%

28.1%	 23.1% 29.6% 38.7% 17.6% 36.2% 21.4% 19.0% 

25.6% 21.6% 37.3% 16.7% 33.4% 22.0% 25.6% 20.9% 

WOMEN-OWNED BUSINESSES WERE ACQUIRED OR FOUNDED MORE RECENTLY 

MOB CO-OWNED WOB 

28.1% 29.7% 28.8% 27.2% 24.1% 22.1% 21.8% 19.6% 18.6% 

15.0% 15.2% 16.8% 14.6% 

10.8% 7.6% 

Founded or Acquired before 1980 1980 - 1989 1990 - 1999	 2000 - 2004 2005 - 2007 

expansions 19.8% 19.3% 21.2% 20.1% 22.1% 20.7% 23.8% 22.6% 32.6% 31.4% 

constants 26.6% 27.8% 27.3% 28.1% 26.1% 27.9% 23.5% 24.9% 17.0%	 17.4% 

contractions 28.2%	 25.9% 20.1% 18.4% 37.9% 37.4% 36.7% 34.1% 34.0% 31.5% 

30.3% 32.8% deaths 24.5%	 26.6% 15.6%	 15.5% 14.8% 17.7% 17.8% 20.0% 

BUSINESS PERFORMANCE 2007 – 2010 

Younger businesses have higher death rates and also higher expansion rates.
 

ALL BUSINESSES PERFORM BETTER WITH RECEIPTS ABOVE 100K 

HIGH EARNING BUSINESSES ($100K+) *HISPANIC BUSINESS OWNERS MAY BELONG TO ANY RACE 

expansions 28.0% 34.5% 24.1% 31.1% 28.6% 29.4% 30.8% 

constants 13.9% 9.9% 19.5% 14.9% 11.4% 12.1% 15.8% 

contractions 44.2% 39.5% 31.6% 39.1% 47.3% 46.3% 37.5% 

deaths 13.9% 16.2% 24.8% 14.9% 12.8% 12.3% 15.9% 

White Black Hispanic* Asian AIAN NHPI Other 

LOW EARNING BUSINESSES (<$100K) 

expansions 15.4% 16.4% 16.3% 20.1% 16.1% 12.6% 17.7% 

constants 24.8% 18.5% 20.3% 19.8% 20.2% 16.8% 18.1% 

contractions 8.5% 9.1% 8.5% 7.9% 10.0% 8.5% 8.0% 

deaths 51.2% 55.9% 54.8% 52.3% 53.7% 62.1% 56.1% 

White Black Hispanic* Asian AIAN NHPI Other 

WOMEN BUSINESS OWNERS ARE SLIGHTLY YOUNGER, AND THE SELF-EMPLOYED 


ARE YOUNGER THAN EMPLOYERS
 

WOB | <34 35-54 55+ MOB | <34 35-54 55+ CO-OWNED | <34 35-54 55+

7.5% 6.6% 5.3% 17.8% 15.9% 10.1%
 

35.4% 39.5% 38.6% 31.8% 36.8% 40.5%
 

57.0% 53.9% 56.1% 50.4% 47.2% 49.4% 

EMPLOYER FIRMS SELF-EMPLOYED FIRMS 

INDUSTRY BREAKDOWN EDUCATION AND RECEIPTS 

Ratio of Number of Firms1 % WOBs by the industry % owners with bachelor’s degree or beyond WOBs:MOBs % WOBs earning $1M+ in industry WOB receipts2 MOBs:WOBs % employer firms in the industry | <$100K $100-499K $500-$999K $1000K+

MOB receipts2

 | <$100K $100-499K $500-$999K $1000K+ 

HIGH-RECEIPT 

11.3%	 <$100K $100K+ $500K+ $1000K+ INDUSTRIES 11.7% 54% (MEDIAN RECEIPT 500K+) 1.5 5.9% 8.7% 25.6% 13.4% 52.2% 

WOMEN-OWNED 5.2% 15.3% 10.1% 69.3% 7.0% 

BUSINESSES ARE 7.6% 41% 1.4 4.8% 17.5% 26.0% 13.7% 42.8% DISPROPORTIONATELY 7.6% 16.6% 10.9% 64.9% ABSENT IN HIGH­ 0.3% 

0.3% 45% RECEIPT INDUSTRIES. 1.9 4.3% 34.3% 26.0% 35.2% 

6.3% 22.0% 23.3% 48.3% 

0.9% 

0.3% 

0.9% 72% 1.9 0.3% 6.5% 4.4% 4.9% 84.2%

4.3% 3.0% 2.8% 89.8% 

19.1% 43% 1.1 20.4% 16.5% 38.8% 12.7% 32.0% 13.8% 5.1% 18.1% 11.2% 65.5% 

MIDDLE-RECEIPT 

10.2% INDUSTRIES 92% 8.1% (MEDIAN RECEIPT 225K-500K) 1.5 23.7% 46.4% 16.5% 13.5% 9.6% 8.1% 37.3% 24.3% 30.3% 

HOW TO READ THE DATA: 9.9% 21% 12.3% 9.9% OF WOMEN- 2.7 13.6% 31.1% 14.6% 40.6% 13.5% OWNED BUSINESSES 13.1% 28.2% 13.9% 44.8%

1.5% ARE IN THE 69% 1.2 1.3% CONSTRUCTION 25.1% 36.8% 11.0% 27.0% 1.2% 13.7% 32.4% 12.8% 41.1% INDUSTRY. 0.0% 51% 0.0% 1.0 0.1% 14.7% 30.5% 6.3% 48.4% 12.3% OF WOMEN­ 14.5% 24.8% 6.3% 54.4% OWNED BUSINESSES 0.2% WITH MORE THAN 27.2% 0.3% 1.9 36.2% 45.5% 9.3% 8.7% $1M IN REVENUE ARE 0.4% 19.2% 39.2% 10.3% 31.3% IN CONSTRUCTION. 8.4% 39% 1.2 8.6% 14.6% 39.3% 13.6% 32.6% 13.5% OF ALL 9.1% 5.8% 22.9% 13.5% 57.9% EMPLOYER FIRMS 3.3% 25% ARE IN THE 	 1.4 3.0% 16.4% 32.1% 11.7% 39.8% 3.0% CONSTRUCTION 10.5% 23.6% 11.1% 54.9% 

INDUSTRY. 3.0% 69% 1.3 4.0% 22.2% 51.3% 10.9% 15.6% 4.6% 15.9% 38.8% 12.1% 33.2% 

9.5% 1.1 83% 8.5% 31.9% 45.8% 11.0% 11.3% 13.3% 19.4% 43.3% 14.3% 23.0% 

LOW-RECEIPT 

6.5% INDUSTRIES 38% 1.3 4.1% (MEDIAN RECEIPT <225K) 27.3% 35.9% 11.3% 25.5% 5.7% 18.2% 31.2% 13.3% 37.4% 

WOMEN-OWNED 1.0% 55% 1.5 1.0% BUSINESSES ARE 41.9% 41.3% 8.4% 8.3% 1.6% 18.8% 36.5% 16.8% 27.9% 

4.0% 

DISPROPORTIONATELY 

PRESENT IN LOW­ 60% 1.3 3.9% RECEIPT INDUSTRIES. 34.2% 42.1% 10.8% 12.9% 5.1% 19.9% 33.5% 12.5% 34.1% 

2.9% 22% 1.3
 3.5%
 33.8% 39.9% 11.1% 15.1% 6.8% 14.8% 33.0% 15.1% 37.1% 

0.7% 70% 3.2 0.4% 40.9% 43.4% 7.4% 8.3% 0.8% 27.0% 35.2% 10.5% 27.2% 

0.1% 

2.2
 56% 0.1%
 79.4% 20.0% 0.3% 0.0%
 

71.7% 24.0% 3.4% 1.1%
 0.1%
 

Industries were separated into high, middle, and low receipts using the 1 RATIOS FOR EACH INDUSTRY HAVE BEEN ADJUSTED median receipt for the industry. Industries are rank ordered from highest TO THE RATIO OF TOTAL NUMBER OF MOB TO WOB. 

to lowest median receipts. 2 RECEIPT RANGES FOR OWNERS WITH BACHELOR’S 

 DEGREE OR BEYOND. 

WOB = WOMEN-OWNED BUSINESSES MOB = MEN-OWNED BUSINESSES 

Retail Trade Wholesale Trade Mining Management of Companies 

and Enterprises Utilities 

Ag. Support, Forestry, 

Fishing, and Hunting Information Transportation 

and Warehousing 

Finance and Insurance Manufacturing 

Real Estate and 

Rental and Leasing 

Accomodation and 

Food Services 

Health Care and 

Social Assistance 

Professional, Scientific, 

and Technical Services Construction 

Admin., Support, Waste 

Mngt., and Remediation 

Arts, Entertainment, 

and Recreation Educational Services 

For complete description of the data source and methodology, 

please see the infographic in NWBC’s 2012 Annual Report at 

www.nwbc.gov/research/nwbc-2012-annual-report.