In the current financial climate, new high-tech businesses rely more than other firms on outside loans and investments, while non-technology businesses owned by African Americans, Latinos, and women simply operate on less capital, says a report issued today by the U.S. Small Business Administration (SBA) Office of Advocacy. The report, called Access to Capital among Young Firms, Minority-owned Firms, Women-owned Firms, and High-tech Firms looks at how the changing financial environment affects new firms.