Revenue-based funding reviewed on deposits (500 minimum, better credit = better offers), microloans and women-focused programs.
Check my optionsOwner communities
Women owners with low credit scores face the same lender criteria as any owner, plus documented gaps in funding outcomes. The most accessible paths rely on business revenue, community lenders and steps that rebuild credit over time.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
Existing balances of $100,000 or less can be bought out.
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.
Start with revenue-based funding. It is underwritten mainly on business bank deposits, so steady monthly revenue can outweigh a low score. MFE considers scores from 500, with better credit improving amount and cost. Keep the account positive every day for at least a month or two before applying, and disclose any existing advances.
Look at community lenders. CDFIs, SBA microloan intermediaries and loan funds focused on women entrepreneurs often weigh character, business plan and cash flow alongside credit, and pair loans with coaching. SBA-supported Women Business Centers can help prepare applications and identify local lenders.
Use asset-based options where they fit. Equipment financing relies partly on the value of the equipment. Invoice factoring relies on your customers credit, which helps B2B businesses whose owners have weak personal credit.
Rebuild credit in parallel. Pull your reports from all three bureaus and dispute errors, bring past-due accounts current, lower revolving balances toward a third of limits or less and keep new inquiries to a minimum. On-time payments on any funding you take, and building business credit through reporting supplier accounts, improve future options.
Avoid offers that promise guaranteed approval for an upfront fee. Legitimate funders, including those reached through MFE, present written offers and deduct any fees at funding, if at all.
Peer support helps as well. Women entrepreneur groups and mentoring programs often share practical experience with specific lenders and programs, which can save time and help owners avoid offers with unfavorable terms.
Here is a deposit-driven offer for an owner with a score in the 500s. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $60,000 |
| Fees deducted at funding (3%) | $1,500 |
| Net cash you receive | $48,500 |
| Weekly payment over 36 weeks | $1,667 |
| Same total as daily debits (~180 business days) | $333/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Revenue-based funding | Deposits first, credit from 500 |
| CDFIs and microlenders | Flexible criteria, coaching |
| Women Business Centers | Application help, lender referrals |
| Equipment financing or factoring | Asset or customer credit |
| Credit rebuilding | Disputes, lower balances, on-time payments |
Good fit:
Probably not yet:
Yes, through revenue-based funding, community lenders and asset-based options.
Options begin at 500.
An SBA-supported center providing advising and application help.
Many weigh cash flow and character alongside credit.
Dispute errors, lower balances, pay on time and build business credit.
No; upfront-fee guarantees are a common red flag.
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