Certification can open contracts and programs; funding itself is based on business performance.
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Formal woman-owned certification can open access to government set-aside contracts, corporate supplier diversity programs and certain networks and programs. Those contracts, in turn, can strengthen revenue and funding applications.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Advances, lines of credit and second-position options in one place.
A human reads the file, not just an algorithm score.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
The federal Women-Owned Small Business (WOSB) Federal Contracting Program, administered by the SBA, allows certain federal contracts in designated industries to be set aside for WOSBs and economically disadvantaged women-owned small businesses (EDWOSBs). Eligibility requires that the business be at least 51% owned and controlled by women who are U.S. citizens, among other criteria, and certification is obtained through the SBA or approved third-party certifiers.
Private-sector certification through organizations such as the Women Business Enterprise National Council (WBENC) is widely recognized by large corporations with supplier diversity goals. Many state and local governments also run their own women-owned or disadvantaged business programs with separate certification.
The benefits are mostly about access, not automatic awards. Certification puts a business on lists that procurement teams search and qualifies it for set-asides, but the business still must compete on price, quality and capacity. Networking events, mentorship programs and matchmaking sessions often come with certification and can be as valuable as the label itself.
Contracts change the funding picture. A signed government or corporate contract demonstrates future revenue, which can support financing for materials, payroll or equipment to perform the work. Large buyers sometimes pay on 30- to 60-day terms or longer, so working capital or factoring may be needed to bridge the wait.
Prepare for the certification process: ownership and control documents, tax returns, financial statements and evidence that women manage daily operations. The process takes time, so start before you need the contracts.
MFE considers credit from 500 and can provide working capital to start performing on a newly won contract.
Here is working capital to start a newly won contract while payments are pending. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $32,500 |
| Fees deducted at funding (3%) | $750 |
| Net cash you receive | $24,250 |
| Weekly payment over 36 weeks | $903 |
| Same total as daily debits (~180 business days) | $181/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| SBA WOSB / EDWOSB | Federal set-aside eligibility |
| WBENC | Corporate supplier diversity |
| State and local programs | Public contracts in your area |
| Networking and mentorship | Matchmaking with buyers |
| Contract funding | Working capital or factoring for long terms |
Good fit:
Probably not yet:
An SBA program enabling eligible women-owned small businesses to compete for certain federal set-aside contracts.
Generally at least 51% owned and controlled by women who are U.S. citizens, plus other criteria.
A private certification widely recognized by corporate supplier diversity programs.
No, it provides access; businesses still compete.
It demonstrates future revenue that supports working capital needs.
Working capital or factoring can bridge long payment terms.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding