01
Fair Evaluation
Your business is evaluated on its merits: revenue, cash flow, and performance, not demographics.
Business Loans for Women
Funding for women-owned businesses with fast approval, competitive rates, and support from consultants who understand your challenges. We evaluate your business on revenue, cash flow, and performance.
- Funding from $25,000 to $5,000,000
- Funding in as little as 4 hours
- No women-owned certification required
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
A Straightforward Path to Funding
01
Tell Us About Your Business
Complete one short application. Share your revenue, time in business, and how much capital you need.
02
Get Matched to the Right Product
A funding consultant reviews your profile and matches you with working capital, a line of credit, equipment financing, a term loan, or another fit.
03
Compare Your Offers
See the amount, cost, and repayment schedule for each option side by side before you decide.
04
Put the Capital to Work
Once you accept, funds are deposited into your business account, in as little as 4 hours for qualified businesses.
Breaking Barriers in Business Financing
What Are Business Loans for Women?
Business loans for women are the same funding products available to any qualified business, offered through a process built to give women-owned businesses equal access to capital.
Women entrepreneurs often face a funding gap, extra documentation requests, and fewer connections to traditional lending networks. We focus on what matters: your revenue, cash flow, and potential. You fill out one application, a consultant matches you with the product that fits your goals, and you get the same competitive terms as any qualified business.
Funding Specifications at a Glance
Amounts, rates, and terms depend on the product you choose and your business profile. Your consultant walks you through the options so you can compare real offers.
No certification as a woman-owned business is required to apply.
- Loan Amounts
- $25,000 to $5,000,000
- Rates
- Competitive, based on product and profile
- Terms
- Varies by product
- Speed
- As fast as 4 hours
Funding Options for Women-Owned Businesses
We match you with the product that fits how your business earns and spends.
- Working Capital LoansCover payroll, inventory, and day to day expenses with a lump sum and predictable payments.
- Business Line of CreditDraw funds as needed and pay only on what you use. Useful for uneven cash flow.
- Equipment FinancingBuy or upgrade the equipment your business runs on, with the equipment itself supporting the financing.
- Business Term LoansFund larger investments like expansion or a new location with a longer repayment schedule.
- Merchant Cash AdvanceFor businesses with strong card sales, repayment flexes with daily sales volume.
- Revenue Based FinancingPayments tied to your revenue, so they rise and fall with your business.
How Your Application Is Evaluated
We look at the whole business. Credit is one factor, alongside revenue, cash flow, and time in business.
- Monthly revenue and deposit history
- Cash flow and bank balances
- Time in business
- Personal and business credit
Good news
Your gender never factors into our decision. Every application is reviewed on the same criteria, and strong revenue and cash flow can help offset a less than perfect credit history.
Stronger Profile
More product options, larger amounts, better terms
760Score
Building Profile
Options still available, builds toward better future terms
502Score
Tree of Life Funding by the Numbers
$25K-$5M
funding amounts available to women-owned businesses across our products.
Source: Tree of Life Funding
4hrs
our fastest time to funding for qualified businesses.
Source: Tree of Life Funding
97%
approval rate across applications we work on.
Source: Tree of Life Funding
Is This Funding Right for You?
Pros
- Evaluated on revenue, cash flow, and performance
- Same competitive rates and terms as any qualified business
- One streamlined application for multiple products
- Consultants who understand women entrepreneurs
- No women-owned certification required
- Use funds for any business purpose
Cons
- Not a grant; funds must be repaid
- Rates and terms depend on your business profile
- Newer businesses may qualify for smaller amounts
- Some products require regular payments that affect cash flow
Compare Your Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Equipment Financing | $10K to $5M | 3% to 10% APR | 3 to 10 days |
| Business Term Loan | $50K to $5M | 6% to 25% APR | 1 to 3 days |
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | Same day to 48 hrs |
What You Need to Apply
- Funding Starts At
- $25K+
- Certification Required
- None
- Simple Application
- 1
Apply for Business Funding
The same streamlined application for everyone. A consultant will reach out to walk you through your options.
Apply NowStep 1: Submit Application
Share basic information about your business and how much capital you need.
Step 2: Share Your Financials
Provide recent bank statements so we can review your revenue and cash flow.
Step 3: Review and Accept
Compare your offers with clear terms and choose the one that fits your goals.
Related Funding Products
Explore the products women-owned businesses use most.
Funding for Women by Industry
See funding options for women-owned businesses in your industry.
FAQs
Business Loans for Women Questions
We welcome all business owners. This page is for women-owned and women-led businesses, which are encouraged to apply and are evaluated on the same criteria as any business.
No certification is required to apply. While certifications like WBENC can help with some programs, they are not required for our funding.
Working capital, lines of credit, equipment financing, term loans, and more. We match you with the best option for your situation.
We focus on loans and financing, which must be repaid. We can provide information about grant programs that may be available for women-owned businesses.
On your business's merits: revenue, cash flow, and performance. Demographics do not factor into the decision.
Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 4 hours.
Get the Capital Your Business Deserves
Find out which funding options fit your business. Our consultants work with women entrepreneurs every day.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score