the state of women owned businesses
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The State of Women Owned Businesses
Dec 7th, 2014Dateline: Costa Mesa, CA
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Commercial score and delinquency
0
1
2
3
4
5
6
7
8
9
32
33
34
35
36
37
38
National Male Female
DBT
IPV2
Mean Intelliscore Plus Score ("IPV2") and Days beyond terms ("DBT")
IPV2 Comb_DBT
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0
5
10
15
20
25
30
$ 1,000 ‐ $14,999
$ 15,000 ‐$24999
$ 25,000 ‐$34999
$ 35,000 ‐$49999
$ 50,000 ‐$74999
$ 75,000 ‐$99999
$100,000 ‐$124,999
$125,000 ‐$149,999
$150,000 ‐$174,999
$175,000 ‐$199,999
$200,000 ‐$249,999
$250,000 +
% of sam
ple
Estimated Income
Estimated Personal Income (Individual)
Female Owned Businesses Male Owned Businesses
Personal Demographics
Female avg. = $84,600Male avg. = $91,500
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Personal demographics
0
10
20
30
40
50
60
Unknown Yes
% of sam
ple
Home Business Indicator
Female busienss owners Male busienss owners
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Personal demographics
0
10
20
30
40
50
60
70
80
90
Unknown Yes
% of sam
ple
Home Owner Indicator
Female busienss owners Male busienss owners
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Personal demographics
0
10
20
30
40
50
60
70
80
Married Single Unknown
% of sam
ple
Marital Status
Female busienss owners Male busienss owners
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Commercial demographics
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
90.00
100.00
1‐4 5‐9 10‐19 20‐49 50‐99 100‐249 250‐499 500‐999 Over 1000
% of sam
ple
Employee Size
Employee Size
Female Owned Businesses Male Owned Businesses
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Commercial demographics
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
90.00
100.00
% of sam
ple
Sales Size
Sales Size
Female Owned Businesses Male Owned Businesses
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Commercial demographics: thickness of file
0
10
20
30
40
50
60
70
80
90
0 1‐5 6+
% of sam
ple
Total Number of Open Commercial Trades
Female Owned Businesses Male Owned Businesses
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Commercial demographics: shopping for commercial credit
0
10
20
30
40
50
60
70
80
90
100
0 1‐5 6+
% of sam
ple
Number of Inquires last 3 months
Female Owned Businesses Male Owned Businesses
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Industry type: Top 10
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
GeneralContracting
BusinessServices
Real EstateAngents
Eating places Motion Pictureand Videotape dist
Misc. retailstores
Buildingcleaning andmaintenance
Managementconsulting
GeneralAutomotive
repair
Plumbing,Heating, andAir Cond.
% of sam
ple
Male Owned Busiensses
• Green bars appear in the Top 10 for males only.
• Red bars are those that are shared by both in the Top 10.
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Industry type: Top 10
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
8.00
BusinessServices
Beauty Shops Misc. retailstores
Buildingcleaning and
maint
Misc. personalservices
Eating places Real EstateAngents
Child Day Care Gift, Novelty,and Souvenier
Managementconsulting
% of sam
ple
Female Owned Businesses
• Green bars appear in the Top 10 for females only.
• Red bars are those that are shared by both in the Top 10.
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Consumer data
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Business owners personal credit
0
5
10
15
20
25
300‐349 350‐399 400‐449 450‐499 500‐549 550‐599 600‐649 650‐699 700‐749 750‐799 800‐849
% of sam
ple
Score
Vantage Score V3
Female Owned Businesses Male Owned Businesses
Female avg. = 689Male avg. = 699
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Business owners personal credit
0
5
10
15
20
25
30
35
40
45
50
0 1‐5 6‐9 10‐19 20‐29 30+
% of sam
ple
Number of Trades
Number of Open Trades
Female Owned Businesses Male Owned Businesses
Female avg. = 7.1Male avg. = 5.8
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Business owners personal credit
0
5
10
15
20
25
% of sam
ple
Balance
Total Balance on Open and Closed Trades (includes mortgage)
Female Owned Businesses Male Owned Businesses
Female avg. = $122,000Male avg. = $151,000
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Business owners personal credit
0
2
4
6
8
10
12
14
16
18
20
0 1‐5 6‐9 10‐19 20‐29 30‐39 40‐49 50‐59 60‐69 70‐79 80‐89 90‐99
% of sam
ple
Ratio
Total Balance balance to limit ratio on open trades (includes mortgage)
Female Owned Businesses Male Owned Businesses
Female avg. = 34.9%Male avg. = 32.8%
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Business owners personal credit
0
2
4
6
8
10
12
14
16
18
20
22
24
% of sam
ple
Total payment in $
Total monthly payment (excludes mortgages)
Female Owned Businesses Male Owned Businesses
Female avg. = $1.200Male avg. = $1,500
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Business owners personal credit
051015202530354045505560657075
0 1‐5 6‐9 10‐19 20+
% of sam
ple
Total number of trades
Total number of 90+ days past due in the last 24 months (includes mortgages)
Female Owned Businesses Male Owned Businesses
Female avg. = 1.30Male avg. = 0.90
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