"It’s people who criticize racism who are silenced, not those who embrace it."
Banks won't lend to equally qualified black applicants for business loans if the applicant wants to open a business in a black neighborhood. The risk is said to be too great if the consumer base isn't there. Thus, in Oakland for example you have a few black owned businesses downtown where all different kinds of people shop but outside of that area are large economically depressed regions. Contrast this with San Francisco where neighborhoods are dotted with boutique shops of various sorts and blocks of restaurants and small businesses.