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Our very own Carty Davis spoke with NPR about the difficulties those in low-income neighborhoods face when trying to get a bank loan in an article titled Breaking The Cycle Of Disinvestment In Lower-Income Communities.

Investors are looking to address those challenges by specifically helping businesses in those areas, with the aim of reversing the cycle of disinvestment.

Banks are restricted in whom they can choose for loans, says Carty Davis, an investment banker with C Squared Advisors.

“A bank can’t just say, ‘I really like this person. I’m going to take a flier on them because I know they’re going to be successful,’ ” he says. “They have a good business plan, but if they don’t have equity to put into the deal or cash to put into the deal, it’s going to be very difficult to get a loan approved.”

Click here to read the full article.