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At a time when some credit unions are looking for ways to boost their loan portfolios, they may want to consider ­giving more consideration to two groups that fear seeking out financing for their business start-ups or expansions.

Rather than apply for capital from lenders, women and ­minorities are more likely to turn to their own savings to start or grow their businesses, according to a new report from the SBA Office of Advocacy, “Access to Capital Among Young Firms, ­Minority-Owned Firms, Women-Owned Firms, and High-Tech Firms.”

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