> Why is this "certain groups" instead of providing the same access to everyone trying to start a business?
Because conservatives won't let us. Literally the most famous slogan associated with leftists is wanting regular people to "own the means of production." Most leftists would be THRILLED by programs to help anyone get access to capital.
The single largest capital requirement for most new small businesses is real estate, and is real estate because mixed use zoning is prohibited in the vast majority of areas in the US, requiring the proprietor to separately pay for somewhere to put the business and somewhere to live. Zoning is a local regulation and there are very many localities completely controlled by Democrats, so why does this continue to be the case?