Finding the right financing can be a game-changer, especially for women business owners looking to scale their dreams. If you are searching for small-business loans for women, you are in the right place.

From government-backed loans to flexible online options, this guide breaks down six fantastic lenders offering opportunities to power up your business.

SBA 7(a) Loan – Best for Established Businesses

If you have an established business and need big funding, the SBA 7(a) loan is your ticket. Backed by the U.S. Small Business Administration, this program offers up to $5,000,000 - perfect for growing businesses that need serious capital.

The best part? Interest rates are competitive, and repayment terms are flexible, giving you breathing room to manage your funds.

To qualify, you will need a minimum credit score of 650. SBA loans are known for their strict criteria. But they are worth the effort if you have a solid business plan and a few years of experience under your belt.

Fora Financial – Best for Bad Credit

Credit score holding you back? Fora Financial’s online term loan is a lifesaver for women with less-than-perfect credit. With a credit score requirement of just 570, they provide up to $1,500,000 in funding.

CNet / Whether you need working capital, inventory, or payroll, Fora Financial’s online term loan is designed to be quick and accessible.

While the credit bar is lower, approval depends on your business performance. Fora Financial focuses on cash flow. So, if you have got a steady income stream, you will be in good hands. Plus, their simple online process gets funds to you fast.

National Funding – Best for Equipment Financing

Need new equipment for your business? National Funding specializes in equipment loans, offering up to $150,000. These loans are ideal for women in industries like construction, healthcare, or manufacturing, where the right tools make all the difference.

The application process is straightforward, and approval is quick. Instead of waiting months, you can have the funds in days, so you can upgrade your equipment and get back to business.

Bank of America – Best for Bank Business Loans

Yes! Bank of America offers small-business loans for women. Their Business Advantage Unsecured Term Loan is perfect for businesses with strong credit and revenue history.

Harper / Bank of America offers small-business loans for women.

Bank of America stands out with its excellent support for small businesses. So, if you are confident in your financials and looking for low rates, this is a dependable option.

Fundbox – Best for Startups

Startups often struggle to find financing, but Fundbox offers a simple and quick solution. Their line of credit is tailor-made for businesses just starting out, with funds up to $150,000. Whether you need to bridge cash flow gaps or invest in growth, Fundbox has you covered.

What makes it stand out? You only pay for what you use. With a minimum credit score of 600, it is accessible for new businesses with a clear growth plan. It is a perfect choice if you are looking for flexibility and control over your borrowing.

Accion Opportunity Fund: Easy Small-Business Loans for Women!

For minority women entrepreneurs, the Accion Opportunity Fund is a standout lender. Their Small Business Working Capital Loan offers up to $250,000 with a minimum credit score of 600. Accion focuses on helping women from underserved communities grow their businesses with the support they deserve.

However, the application process is straightforward, and they provide personalized guidance along the way. So, if you are a woman of color or come from a diverse background, this loan is your best bet.