Tech startups rely more on outside loans and investments more than startups in other industries, while minority- and women-owned businesses operate on less capital than startups launched by men and non-minorities. You know what stats like that mean: The SBA Office of Advocacy's released its latest access to capital report! (Our Evite to your report release party must've been lost in the mail.) Minority-owned firms, in particular, rely more on their own money and have less of it to start and grow. Tech companies that rely on patents, copyrights, and trademarks faced bank financing hurdles because their products rely on knowledge, which is harder to assess than physical assets. Advocacy Office chief counsel Winslow Sargeant says the study should inspire policy changes to close the financing gap.

We can't start the day without a four-mile run. What do you do to get going? Tell Bisnow's Tania Anderson. (We were just kidding about that run.)