Business Loans for Women-Owned Businesses
Equal access to capital for women entrepreneurs
- Lenders with strong track records backing women entrepreneurs
- SBA WOSB program lenders in our network
- Funding as fast as same business day
At a Glance
Business Loans for Women-Owned Businesses
Women-owned businesses represent nearly 40% of all U.S. businesses — yet they receive less than 5% of conventional small business lending. Approvd is committed to helping women entrepreneurs access the capital they deserve. Our platform evaluates your business on its merits, and we actively work with lenders who have strong track records of lending to women-owned businesses.
Best Loan Options for Women-Owned Business
We match you to the right product based on your specific situation — not just credit score.
Business Term Loan
Predictable financing for growth, equipment, hiring, or expansion with clear repayment schedules
Business Line of Credit
Flexible revolving capital for ongoing operational needs and growth opportunities
SBA Financing
SBA has specific programs supporting women-owned small businesses (WOSB) — Approvd connects you with the right lenders
Revenue-Based Financing
Fast capital with repayments tied to revenue — no rigid fixed payments during slower periods
Tips to Improve Your Approval Odds
Pursue WOSB Certification
Women-Owned Small Business (WOSB) federal certification opens doors to SBA-backed loans and government contracting opportunities.
Explore SBA Women's Programs
The SBA's Women's Business Centers (WBCs) provide free counseling, training, and can help you prepare a strong loan application.
Network with Women Business Owners
Organizations like National Association of Women Business Owners (NAWBO) and WEConnect International connect you with lenders who specifically support women entrepreneurs.
Document Your Business's Strengths
Prepare a clear business overview that highlights your revenue growth, customer base, and market opportunity — let your business speak for itself.
Minimum Requirements
General requirements across our lender network. Actual requirements vary by product and lender.
See Your Options — Free
Our free 5-minute application matches you with lenders who specialize in your situation.
- No hard credit pull to check options
- Specialized lenders for your situation
- 75+ lenders reviewed at once
- Free, no-obligation process
Frequently Asked Questions
Are there business loans specifically for women?
Yes. The SBA has specific WOSB (Women-Owned Small Business) programs. Many CDFI lenders and mission-driven financial institutions specifically target women entrepreneurs. Through Approvd, we match you with lenders who have strong lending records to women-owned businesses.
What is a WOSB certification?
WOSB certification is a federal designation for businesses that are at least 51% owned and controlled by women. Certified WOSBs gain access to certain SBA loan programs and set-aside federal government contracts.
Do I need to be certified as a women-owned business to get a loan?
No. Certification is optional and most helpful for accessing specific SBA programs or government contracts. Standard business loans through Approvd's network evaluate your business on its financial merits regardless of gender.
Rate Disclosure: APR and total cost of capital vary by lender, loan type, credit profile, and other factors. Rates shown are representative examples only and do not constitute an offer. Actual rates are determined by lenders at the time of application. Applying does not guarantee approval or any specific rate or term.
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