Entrepreneurial finance scholars (and policy makers) need to adopt an intersectional approach to their analysis (and policymaking) and pay more attention to the interplay between the ownermanager characteristics of ethnicity/race, gender, and social class. As most literature on entrepreneurial finance treats ethnicity/race, gender, and class separately, an intersectional approach to analysis is complex, whether social (race, gender, and social class) or situational characteristics (entrepreneur vs. migrant/social or health-care worker). Women, ethnic minorities, and workingclass people are disadvantaged when seeking finance. We integrate the literature and propose intersectionality as a framework for policy makers, because the interplay between these characteristics can be addressed to develop innovative methods of finance. JEL Classification Code: G2, L26, J15, J16.