Financing for Women Entrepreneurs

Small business loans and alternative financing programs that provide working capital to women business owners and entrepreneurs.

Access to Capital for Female Entrepreneurs and Women in Business

There are more than 125 million* women of working age in the U.S. and nearly 9 million** women-owned businesses. These women owned businesses account for millions of jobs and generate trillions of dollars toward the economy.

When women business owners need working capital to grow or solve cash flow challenges, they may consider SBA loans, credit union or bank loans, business grants for women, microloans, and alternative financing tools such as those available at DB Squared, including:

  • Invoice factoring (a.k.a. accounts receivable financing)
  • Business cash advance financing
  • Merchant cash advance financing
  • Equipment leasing
  • Business loans for women (as a Line of Credit)

Compared to the alternatives we provide, traditional bank financing programs typically have lengthy approval timelines, more stringent requirements and other limitations. In contrast, most of our financing options are fast, flexible, and leave the recipient in control when it comes to how funds will be used, and when.

We offer several financing programs that might be appropriate for women in business. Most can help women entrepreneurs unlock working capital in just a few days and some even provide instant access to capital.

We understand that one size does not fit the needs of every organization. If you are considering alternatives to small business loans for women, we invite you to take a closer look at our financing tools.

*U.S. Dept. of Labor
** NAWBO (National Association of Women Business Owners) 

Invoice Factoring for Women Entrepreneurs

Invoice factoring is a centuries-old business financing tool that unlocks the working capital represented in an organization’s unpaid customer invoices.

Any type of woman-owned business that invoices its customers on delivery of goods or provision of services may be able to speed up cash flow by receiving an immediate advance on unpaid customer invoices. When companies factor invoices with DB Squared, they sell us the invoice for a small fee (usually from 1-5% of the amount of the invoice), and we advance them up to 98% of the invoice amount on the same day,

For women-owned businesses, factoring invoices with a non-recourse Factoring company like DB Squared helps with cash flow management, making it easier for them to meet financial obligations on time, process payroll, reduce administrative and collections costs, and reduce (or even eliminate) bad debt risk.

Apply for a quick quote for invoice factoring services, and you might be able to go from invoice factoring application to your first funding fast – in as little as 3-5 business days.  Use the invoice factoring calculator to determine how much cash flow could be unlocked through invoice factoring.

Ready to apply? Simply click the link below.

Invoice Factoring Calculator Apply

Business and Merchant Cash Advances for Women Business Owners

The working capital made available to women-owned businesses by both business cash advances and merchant cash advances as a lump-sum cash infusion can be used for a variety of purposes; such as:

  • Financing equipment purchases
  • Replenishing or expanding inventory
  • Adding new service or product lines
  • Expanding adding square footage or a new location
  • Maintaining cash flow during seasonal or cyclical slowdowns
  • Financing equipment repairs and facility renovations
  • Taking advantage of emerging opportunities

The cash infusion provided through business or merchant cash advance financing is based on an organization’s sales trends and is repaid from future sales. Repayment is made automatically either via daily ACH debit (business cash advances) or as a small percentage of future credit and debit card transactions (merchant cash advances).

Cash advance financing is usually easier to qualify for than SBA loans and other business loans since it is not dependent upon a good credit score or collateral. While it can take weeks to get from application to funding for business loans, cash advances may be funded in less than a week. Plus, because we source multiple financing resources for women entrepreneurs, we are often able to provide applicants with more than one option, allowing them to select the business financing they deem best-suited for their business needs.

We look at more than a credit score. If you are not instantly approved, we can also help you find out why or initiate a manual underwriting review. Use the cash advance calculator to find out the amount of cash advance financing your business may qualify to receive or request a quick quote to get more information.

Ready to apply? Simply click the link below.

Cash Advance Calculator Apply

 

Equipment Leasing Finance Tools for Women in Business

We can also connect women entrepreneurs with financing for buying or leasing the equipment their organization needs to expand, replace broken or obsolescing equipment or take on new business more quickly.

Small Business Loans for Women

We also offer a special program through a strategic partnership that provides small business loans for women in the form of a business line of credit.

Like with cash advance financing, a business line of credit can be used to infuse working capital into an organization quickly. It provides added flexibility in that a business owner can decide how much working capital to access and will only accrue financing fees on the money they actually withdraw. Our business line of credit can be accessed 24×7, making working capital available any time it’s needed.

When you apply for any of our working capital financing programs we will source multiple funding programs for you. This often means that we will be able to provide more than one financing option for consideration. Even if you started your search looking for small business loans for women, you may find that one of our business loan alternative financing programs is actually better-suited to your organization’s financial needs.

As with all of our financing programs, there is no cost to apply for a business line of credit. In a matter of hours or just a few days, you could have access to the working capital you need to grow your business!

Use the business line of credit calculator to find out the amount of working capital your business may be eligible to receive or request a quick quote to get more information.

Ready to apply? Simply click the link below.

Business Line of Credit Calculator Apply

Get more information about business financing for women entrepreneurs:

Get the working capital you need to grow your business!

We want to earn your business and referrals.

We would be happy to answer any questions you may have about our business loans for women or alternative financing tools and show you how they can help unlock the working capital your business needs to grow. Working with DB Squared, you can expect:

  • Free, no obligation quotes for all of our business finance programs
  • Low fees and high advances for our invoice factoring clients
  • Competitive rates and flexible repayment options for business and merchant cash advance clients
  • Prompt, professional, courteous customer service
  • No due diligence, credit check, proposal or funding fees