This paper uses an econometric approach to analyse gender differences in access to finance for business start-up based on the Global Entrepreneurship Monitor (GEM) 2004 database. We find that females are around 7.5 pp more likely to perceive financial barriers to business start-up than males, which reduces start-up rates by 1.7-3.8 pp. Being female also has an additional direct effect on each start-up indicator not linked to financial barriers. This suggests that females in the general UK population perceive stronger financial barriers to business start-up than UK males, and this may be discouraging them from seeking external financial support for business start-up.
Keywords: Access to finance; Start up; SMEs; Gender; Econometric