Financing for Women-Owned Businesses

For women entrepreneurs, starting a business will require you to work twice as hard to get half of the recognition. The challenge of obtaining financing as a woman entrepreneur is even more difficult because studies show that women-owned businesses get significantly less venture capital, have higher rejection rates from traditional banks, and need to overcome unconscious bias that questions their business acumen and potential for future growth as well as their financial responsibility. You have built your business through determination, innovation and hard work; yet, when you walk into the bank seeking capital, you will find outdated perception

That's where financing from Swish Funding transforms the equation for women entrepreneurs, delivering the working capital you deserve based solely on your business results, not your gender, with approval processes that respect your capabilities and recognize your achievements.

The Frustrating Reality Women Business Owners Face

Women entrepreneurs have to endure the irritating truth of traditional financing not being built with them in mind. Banks are more likely to approve a business loan for women than for men, even controlling for revenue, credit scores, and the age of the business; however, when women receive approval for a business loan, they receive a lower average loan amount than men for the same reasons; there is continuing bias in the lending decisions made by banks. 

Women entrepreneurs face discrimination by having to answer questions that male entrepreneurs do not face such as more in-depth scrutiny of their business plan, more scepticism towards their financial projections and a greater questioning of their ability to manage a business as well as family commitments. Banks also increase their "due diligence" wait time for women entrepreneurs before making a lending decision which extends the overall timeframe for the lending process to become extremely lengthy, which is nothing more than a delay tactic. 

Besides being frustrating from a personal standpoint, it is damaging from an economic viewpoint as women-owned companies are growing at a rate faster than the economy overall, employ millions of Americans, and generate trillions of dollars in revenue but remain underfunded compared to their potential which is holding back not only women entrepreneurs but entire communities or economies.

How Swish Funding Levels the Playing Field?

Our approach to financing is straightforward: performance matters more than individual characteristics. We evaluate applications based on measurable criteria like revenue, transaction history, stability, and growth. The only thing that doesn’t matter as part of the criteria for obtaining funding through us is your gender.

If you are a female entrepreneur accepting credit card payments (retailers, service providers, medical practitioners, beauticians, consultants, etc.), we offer a merchant cash advance program that allows you to receive funding through automatic repayment using a percentage of your daily credit card sales. If you have a strong sales month, your repayment amount for that month is higher. Conversely, if you don’t have as strong of a sales month, then the repayment amount is reduced, allowing you to manage your cash flow in accordance with the cyclical nature of your business.

If you are a female entrepreneur who would like financing with a structured repayment plan, we offer business term loans. A term loan will allow you to receive a lump-sum disbursement and pay it back in accordance with a fixed schedule, an alternative to traditional bank loans that typically factor in your gender.

Here's what makes Swish Funding different: Your business results determine your approval, not unconscious bias about women entrepreneurs.

Why Women-Owned Businesses Choose Swish Funding?

Female entrepreneurs across every industry are choosing Swish Funding for reasons that directly address the financing discrimination they've experienced elsewhere:

✔ Merit-Based Approvals Without Gender Bias
Your application is evaluated on business metrics: revenue consistency, transaction patterns, growth trajectory, and operational stability. Therefore does not contain questions that have to do with childcare, family planning, or any other personal matter unrelated to how well your business performs. The fact that you have successfully built and run a great business demonstrates that.

✔ Lightning-Fast Decisions That Respect Your Time
Most applications receive at least some level of preliminary approval within a few hours after the submission of the application, as opposed to the longer, more drawn out review processes associated with women entrepreneurs’ applications at traditional banks due to the extended timeframes required for traditional banks to conduct “additional” reviews. You should receive answers as quickly as all other entrepreneurs – and that is exactly what you will receive.

✔ Equal Access to Capital Amounts
Women entrepreneurs that have strong revenues are eligible for the same amounts of funding as men, assuming their business is performing at the same level. No artificial caps, no smaller offers "to be conservative," no patronizing explanations about "starting small", just fair funding based on actual business capacity.

✔ Professional Treatment Always
You have been given all of the respect you deserve as the owner of a business – with no questioning about how you can manage the balance of work and family, no condescending explanations, and no questioning your level of competence with your financial affairs. Professional respect does not equal courtesy; it is the minimum standard.

✔ Transparent Terms With No Hidden Disadvantages
Women entrepreneurs aren't charged higher rates or offered worse terms than men with similar businesses. Our pricing is based on risk factors like revenue consistency and business age, never on gender or other demographic characteristics.

✔ Minimal Documentation Requirements
Forget the excessive documentation requests that feel designed to discourage women applicants. We need basic business information, recent bank or processing statements, and revenue verification. That's it—no justifications, no explanations, no dissertation defending your business model.

Business Financing Strategies for Women Entrepreneurs

​Women entrepreneurs who want to accelerate growth use financing strategically to increase market share and generate long-term wealth for their families and future generations. These strategic ways of using business financing are:

• ​Scaling Beyond Your Capacity: If you have reached your limits as a solopreneur and need to hire employees, outsource work, or automate your operation, then financing can give you the working capital you need to scale up from being a solopreneur to being an employer and owner of a business.
• ​Professional Space and Facilities: To transition your operations from home to a commercial location, open a retail store, lease office space, or establish a professional facility, you will need capital for deposits, build-outs, and initial rent. Financing will provide you with the funds to cover these expansion costs.
• ​Investing in Inventory: If you're a product-based business, like a fashion boutique, specialty store or e-commerce business, then you will need access to cash in order to purchase inventory before selling any of it to customers. Financing provides you with the buying power to stock the types of products that customers want.
• ​Buying Equipment and Technology: The equipment and technology used in your salon, medical office, photography studio, manufacturing facility, or any other service-based business are critical to your ability to provide professional services. Financing provides the funds to purchase the equipment and technology you need to run your business.
• ​Investing in Marketing and Brand Development: Digital marketing, social media, public relations, website development, and branding strategies each require an upfront investment before generating new customers and revenue. Financing provides you with resources to invest in marketing while you wait for the results.

​Why Swish Funding Champions Women Entrepreneurs?

At Swish Funding, we believe economic equality requires financing equality. We've built our business on the principle that talented entrepreneurs deserve funding based on merit, and we're committed to providing women business owners with access previously denied by traditional financial institutions.

🚀 Speed and Respect Combined
Qualified women-owned businesses receive funds in as little as 24 hours—the same timeline as any business owner. Your time is equally valuable, and our process reflects that respect.

🤝 Partnership Philosophy
We succeed when women-owned businesses thrive, grow, and build generational wealth. That alignment means we're genuinely invested in your success, not just our transaction.

📈 Customized Solutions for Real Businesses
We tailor funding amounts, repayment structures, and terms based on your business specifics, not stereotypes about women-owned businesses or assumptions about your growth ambitions.

🔒 Complete Transparency Always
No hidden fees, no surprise charges, no terms designed to disadvantage women entrepreneurs. Honest, straightforward financing that treats you as the capable professional you are.

Get Your Business Funded Today if You’re a Woman-Owned Business

As you work towards achieving your goals as an entrepreneur, there are many challenges that you have faced along the way. One of the major barriers that may exist for you to continue growing your business is finding financial funding to support your business. At Swish Funding, we are committed to providing female entrepreneurs with fair, fast, and merit-based lending options to create an opportunity to have equal access to the capital needed to grow their business, regardless of their gender 

👉 Are you ready to get the funding you need for your business? 

Go to SwishFunding.com now and complete the application process in just a few minutes, get approved in just a few hours and receive funding in your bank account in less than 24 hours, just like any other business; with no preference based on gender. 

You have already demonstrated to yourself and others that you can run a successful business on a daily basis. Now it’s time to find the right financing to reward you for all of your hard work. Complete your application with Swish Funding today and create the empire that you have always envisioned for yourself.