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Meet Heather Beck, Owner and Founder of K9 Lifeline and Heather's Heroes.
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Heather H
FEBRUARY 21, 2023
It was easy to get a loan through Lendio. I went to 5 other banks before Lendio. They have been nothing but helpful, they respond quickly, and very knowledgeable about what type of loans are available. Thank you for helping me with my business. Y’all have made my life easier so thank you again.
Victoria M
MARCH 09, 2023
Great communication, easy process and even with my low credit score my agent find me a lender and I was able to get funding and solve some of my business situation! Thanks so much!
Dinah L
FEBRUARY 13, 2023
I had an awesome experience. The entire process took about 3 days and they actually approved me for exactly what I needed to help my business expand. Everyone was helpful and thorough. I would do it again!
The gender gap in business funding is real. Women-owned businesses are less likely to receive business credit. When they do, their average loan size is 33% smaller than that of men-owned businesses. At Lendio, we’re dedicated to closing this gap and providing equal access to business financing for women business owners, with an online application that connects you to a marketplace of lenders.
Apply in just 15 minutes and get funded in as little as 24 hours
Compare loan offers from our network of 75+ lenders.
Get personalized support throughout the funding process.
Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.
One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.
Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.
We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.
A term loan offers a lump sum that is repaid with interest over a fixed term. Online term loans offer fast approval and funding times.
SBA loans for women are backed by the U.S. Small Business Administration, which means they come with some pretty sweet perks like lower interest rates and longer repayment terms. The SBA offers several loan programs including 7(a), 504, and microloans.
A line of credit (LOC) is another type of financing women can qualify for. Instead of getting a lump sum, you can borrow from your credit line up to your limit—just like a credit card. Repay the funds to replenish the LOC and only pay interest on the outstanding balance.
With invoice factoring, instead of waiting for clients to pay invoices, a funder purchases an invoice from the borrower at a discounted rate.
Revenue-based financing provides you with a lump sum based on expected future revenue that is repaid along with a factor rate.
There are loan programs designed for historically underserved communities including women and minorities. Community Advantage Small Business Lending Companies offer SBA 7(a) loans to underserved communities. Non-profit lenders also offer SBA microloans of up to $50,000. U.S. Bank offers a Business Diversity Lending Program that offers revised credit standards to businesses owned by minorities, women, or veterans. Other regional banks also have Diversity lending programs with relaxed credit criteria for smaller loan amounts.
Some of the advantages of getting a loan for your business through an online marketplace include:
The Small Business Administration doesn’t loan money directly to small businesses unless they’re eligible for disaster recovery, but it does help small businesses access funding by setting loan guidelines for small businesses and reducing lender risk. As a result, they can be one of the safest, easiest ways to access loans for women-owned small businesses.
What makes SBA loans so beneficial? They offer enviably lower rates, lower down-payment requirements, and larger borrowing allowances than private-sector lenders often offer, especially to newer or smaller businesses. And these benefits can help you to grow your credit and connect you, in the longer term, with other funding opportunities.
There’s an SBA loan option to cover just about every aspect of your woman-owned small business. Some of the most common SBA loans include the 7(a), 504, and SBA Express—but there are numerous others that may suit a particular need or aspect of your business.
The SBA 7(a) standard is one of the most flexible SBA loans. You can use it to:
SBA 504 loans can be a bit more complicated than 7(a)s,. Because you must use a 504 to fund a specific fixed asset, a thorough examination of your project costs will be required. When your loan is funded, the lender will initially cover 50% of your costs, and the SBA will cover 40%—this means that you’re responsible for covering at least 10% right off the bat. You’ll also be required to personally guarantee at least 20% of the loan.
You must use an SBA 504 loan to finance fixed assets, although some soft costs can also be included. Examples of qualifying projects include:
Is your woman-owned small business considering exporting goods to other countries? This is often seen by U.S. lenders as a particularly risky option, and it can be harder to access funding as a result.
Check out the SBA’s export finance offerings, which include export loans, export express loans, and export working capital loans.
If you need a smaller amount of funding quickly to jumpstart your woman-owned small business, the SBA offers microloans—up to $50,000—for this exact purpose.
According to the SBA, microloans can be used for a wide range of purposes in order to rebuild, reopen, repair, enhance, or otherwise improve your small business, including:
An SBA microloan, however, cannot be used to purchase real estate or pay down debts.
Hopefully, you’ll never need disaster loan assistance for your small business. However, if the COVID-19 pandemic has taught us anything, it’s that we never know what lies ahead.
Types of SBA disaster loans include:
Whichever type of SBA loan fits best for your small business, make sure to consider your options today—and get help from Lendio.
Grants can be tough to get due to high competition, but don’t underestimate the abundance of options specifically designed for women entrepreneurs. Federal and state government agencies offer some grants; nonprofits and private business organizations offer others.
When it comes to finding grants to help fund your business, the best thing you can do is keep a broad horizon. Here are some of the grant options we’ve found for women entrepreneurs:
There are several government and nonprofit programs available to women.
With a woman-owned business certification, you’ll be eligible for the Woman-Owned Small Business Federal contract program which awards government contracts to woman-owned businesses.
Qualification requirements include:
To qualify as an economically disadvantaged woman-owned small business you must meet the above-listed requirements and the following:
To get certified, apply through the Small Business Administration.