Small businesses often turn to non-bank lenders to borrow money, but hidden terms mean those businesses often have to pay back more than what they borrowed in the first place.

A recent report illustrates just how much harder it is for people who aren’t white to get small-business loans.

In winter, farmers across the U.S. visit their banks to learn whether they have credit for the next growing season, relying on that borrowed money to buy seed, fertilizer and chemicals.