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How to Apply for Women and Minority Owned Business Grants

Business grants for women

Asian business woman image by huaxiadragon from Fotolia.com

Related Articles

  • 1 Grants for Minority First Time Business Owners
  • 2 List of Grants for African-American Women to Start a Business
  • 3 Grants for Minority Women Wanting to Start a Small Business
  • 4 How to Register a Business As Minority Owned

Women and visible minorities who own their own businesses may be eligible for a variety of grants. Learn how to find them and apply for them.

Women and visible minorities can take advantage of grants offered by private institutions and, less often, government agencies. The key to winning a grant is ensuring that your business goals are aligned with the purpose of the grant and that you submit a professional application. With a bit of study and practice, however, you can gain confidence and hone your grant-writing skills, allowing you to tap into the resources of organizations that promote female and minority entrepreneurship.

Select specific grant programs that match your business and personal situation. Take note of each granting organization’s name and contact information, and compile a list of all grants for which you are eligible. Select a range of options – grants for women only, minorities only or both – if you are both a woman and a part of a minority group; this will give you a wider range of possibilities. Begin your search at Grants.gov for federal funding, and SRA International or Business Owners’ Idea Cafe for private funding sources (see Resources).

Research the granting organization thoroughly. Visit its website and read any news articles or press releases related to the organization. Look into the types of organizations and projects that the organization funds, and research specific grant-winners, if possible. Focus on the exact purpose of the awarded grants. Grants may be awarded purely to promote female and minority entrepreneurship, for example, or they may be granted to organizations whose programs directly benefit women and minorities in general.

Contact the granting organization and ask for guidance in preparing your grant proposal. Ask a representative to speak with you about the grant proposal process, explaining such things as preferred submission formats and length, the organization’s specific areas of interest and any other grant opportunities for women and minorities that may be available. Keep your new contact’s name and information as you did with the notes you took in step one.

Create your grant proposal. The proposal should include a description of your organization, including its mission and product offerings, and a needs assessment that clearly explains the need your company serves. Focus specifically on how your organization will promote the goals of the organization that offers the grant.

Create a thorough description of your products, services and business model, and include it in your grant proposal. Add a budget, projected financial statements and a detailed summary of how you plan to spend the grant money. End the proposal with professional biographies of yourself and your top-management team. List the names of any women or minority associations or groups of which you are a member.

Create an executive summary after all other sections are done and place it at the beginning of the grant proposal document.

Submit your grant proposal to your contact or designated recipient in the granting organization. Follow all format and submission instructions when sending in your proposal, and include a brief cover letter introducing yourself and your company, while thanking the grant reviewers for their time.

Ask your contact in the granting organization if members of the grant proposal review committee would be willing to look over your proposal and provide feedback before the submission deadline. It never hurts to ask, and this could provide invaluable insight and increase your chances of receiving a grant.



business grants for women

Business grants for women

2017 Grants and Scholarships For Women

Business grants for womenResearch compiled by the Center For Women’s Business Research and Entrepreneur Magazine reveals that women are the most progressive species on the planet. They are more likely to earn a college degree, launch a non-profit organization, and start a successful business. Many are able to do this while simultaneously running a household and caring for kids.

Women need grants and scholarships because despite their business and career success, they are still disadvantaged – and have been for hundreds of years. Though they make up roughly 51% of the world population, women are still a minority and face many related issues. Women are underserved and overlooked, and suffer continuously from unfair practices such as gender discrimination, gender underestimation, and even gender harassment.

Women grants, especially business grants for women, give them the upperhand to fight back, and prevail. This type of assistance enables them to recover from an unfair and unjust system that has existed for a long time. The concept is very similar to affirmative action initiatives that help other minority groups.

Business grants help women either start or expand an existing home business or non-profit organization. Education grants or scholarships help women pay for college – tuition, books, and even dorms. These types of opportunities make up the thousands of federal, state, and private grants for women that are designed to give them the tools and funding they need to be successful.

Search Grant Opportunities:

Below is our comprehensive directory that lists all the organizations and foundations (in alphabetical order) that offer grant funding to women.



women business grants

Women business grants

2017 Grants and Scholarships For Women

Women business grantsResearch compiled by the Center For Women’s Business Research and Entrepreneur Magazine reveals that women are the most progressive species on the planet. They are more likely to earn a college degree, launch a non-profit organization, and start a successful business. Many are able to do this while simultaneously running a household and caring for kids.

Women need grants and scholarships because despite their business and career success, they are still disadvantaged – and have been for hundreds of years. Though they make up roughly 51% of the world population, women are still a minority and face many related issues. Women are underserved and overlooked, and suffer continuously from unfair practices such as gender discrimination, gender underestimation, and even gender harassment.

Women grants, especially business grants for women, give them the upperhand to fight back, and prevail. This type of assistance enables them to recover from an unfair and unjust system that has existed for a long time. The concept is very similar to affirmative action initiatives that help other minority groups.

Business grants help women either start or expand an existing home business or non-profit organization. Education grants or scholarships help women pay for college – tuition, books, and even dorms. These types of opportunities make up the thousands of federal, state, and private grants for women that are designed to give them the tools and funding they need to be successful.

Search Grant Opportunities:

Below is our comprehensive directory that lists all the organizations and foundations (in alphabetical order) that offer grant funding to women.



Women in business

Women in business

GIFTS THAT GIVE BACK

Give a gift that helps a woman survivor of war.

Your gift will help a woman in need rebuild her life and spread the goodwill of the season to your loved ones.

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My name is Regina

Since joining Women for Women International, Regina has been working to improve the health of those in her community.

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My Name Is Awham

Awham remembers the year the war started in Iraq, and the additional hardships she faced after her husband fell ill and lost his job. “I was left to care for my four children with no income.

Women in business

My name is Zarghuna

I am 38 years old. There was no happiness in my childhood. When I was six years old, my brother lost a dog-fighting match and started fighting with my cousin which led to my cousin’s death.

Women in business

My name is Nabintu

I was a happy woman, wife, and mother before the war came to my front door. After high school, I wanted to earn some money and explore the city so I went to be a babysitter for a family in Bukavu.

Women in business

My Name is Caritas

I’m 39 years old. I’m married and I have two children of my own, a son and a daughter. And I have adopted five more children, because of the genocide.



Women in business

Women in business

GIFTS THAT GIVE BACK

Give a gift that helps a woman survivor of war.

Your gift will help a woman in need rebuild her life and spread the goodwill of the season to your loved ones.

2017 Luncheon

Women in business

SUPPORTING REFUGEES

Women in business

Celebrity Spotlight: Sophie Turner

Women in business

LEARN MORE

Women in business

Women in business

Women in business

Women in business

My name is Regina

Since joining Women for Women International, Regina has been working to improve the health of those in her community.

Women in business

My Name Is Awham

Awham remembers the year the war started in Iraq, and the additional hardships she faced after her husband fell ill and lost his job. “I was left to care for my four children with no income.

Women in business

My name is Zarghuna

I am 38 years old. There was no happiness in my childhood. When I was six years old, my brother lost a dog-fighting match and started fighting with my cousin which led to my cousin’s death.

Women in business

My name is Nabintu

I was a happy woman, wife, and mother before the war came to my front door. After high school, I wanted to earn some money and explore the city so I went to be a babysitter for a family in Bukavu.

Women in business

My Name is Caritas

I’m 39 years old. I’m married and I have two children of my own, a son and a daughter. And I have adopted five more children, because of the genocide.



Women s Business Loans

A recent Forbes article, The Confidence Gap and Women Entrepreneurs, restated what is widely known in the industry: Women have less access to money for business than their male counterparts.

This means that fewer women are approved to borrow money from traditional lenders and that most women owned businesses are undercapitalized. WVF’s goal is to address this confidence and skills gap so women understand what it takes to successfully access credit.

Women s Venture Fund offers a more flexible approach to assessing your credit needs. Since many of our clients are first time entrepreneurs,

we help you calculate your loan needs through our consultation process. This approach helps the entrepreneur understand how much financing is needed and what additional steps are needed to achieve true profitability.

WVF funds women owned businesses based on sales, number of clients, contracts and the availability of other accessible resources to support the amount requested. The process starts with your written plan that shows how you secure clients and based on your track record, what you project as future sales. Tell us how you will build on your current success and we will help you assess how much you need to achieve your vision for growth. Show us your determination and your plans to grow and we will help you chart the best path to get there.

Often times it s not just a loan that is required to grow. We can help you develop the best comprehensive roadmap for organizational growth via our advisory program.

Currently, WVF is working with clients in the New York City metropolitan area. If you currently own a business in this region, we can get the process started. Simply send us your record of success to date along with the application below. We can schedule a call to discuss what’s feasible after that.

Not sure how to develop a growth action plan? See our schedule of workshops focused on helping clients seeking assistance in generating their plans and revenue projections.



Women s Business Loans

A recent Forbes article, The Confidence Gap and Women Entrepreneurs, restated what is widely known in the industry: Women have less access to money for business than their male counterparts.

This means that fewer women are approved to borrow money from traditional lenders and that most women owned businesses are undercapitalized. WVF’s goal is to address this confidence and skills gap so women understand what it takes to successfully access credit.

Women s Venture Fund offers a more flexible approach to assessing your credit needs. Since many of our clients are first time entrepreneurs,

we help you calculate your loan needs through our consultation process. This approach helps the entrepreneur understand how much financing is needed and what additional steps are needed to achieve true profitability.

WVF funds women owned businesses based on sales, number of clients, contracts and the availability of other accessible resources to support the amount requested. The process starts with your written plan that shows how you secure clients and based on your track record, what you project as future sales. Tell us how you will build on your current success and we will help you assess how much you need to achieve your vision for growth. Show us your determination and your plans to grow and we will help you chart the best path to get there.

Often times it s not just a loan that is required to grow. We can help you develop the best comprehensive roadmap for organizational growth via our advisory program.

Currently, WVF is working with clients in the New York City metropolitan area. If you currently own a business in this region, we can get the process started. Simply send us your record of success to date along with the application below. We can schedule a call to discuss what’s feasible after that.

Not sure how to develop a growth action plan? See our schedule of workshops focused on helping clients seeking assistance in generating their plans and revenue projections.



10 Loans for Woman Owned Small Businesses and How to Apply

Small business loans for women

It s not always easy being a woman entrepreneur, especially when you are trying to raise funds for your business.

According to research (PDF) from Babson College, sponsored by Ernst Young, 85 percent of the 6,793 businesses funded by venture capital between 2011 and 2013 had no women on the executive team at all. This at a time when women entrepreneurs have proved they are a force to be reckoned with.

It goes without saying the situation needs to improve to support more women entrepreneurs. There are, however, some sources of business loans for women entrepreneurs that are worth looking at.

Loans for Woman Owned Small Businesses and How to Apply for Each

KeyBank

The bank offers funding through Key4Women, a nationwide network of women entrepreneurs who cater to the various needs of women-owned businesses.

The Key4Women program is aimed at providing women entrepreneurs with capital, customized financial solutions and educational and networking opportunities. Since 2005, KeyBank has lent more than $6 billion to women entrepreneurs.

To access funding for your business, you need to become a Key4Women member first. To get started, enroll here.

Women s Venture Fund

Women s Venture Fund is a flexible, simple solution to fund your small business. For first-time women entrepreneurs, Women s Venture Fund assists by calculating loan needs through a comprehensive consultation process. This approach allows you to properly understand how much financing your business actually needs.

The organization funds businesses based on factors such as number of clients, sales, contracts and the availability of other accessible resources.

The funding process starts with your written plan that should explain how you secure clients, your track record and what you project as future sales. Based on your requirements, Women s Venture Fund develops the most comprehensive roadmap for your business growth.

Submit your loan application here.

Women s Economic Ventures Loan Program

The Women s Economic Ventures Loan Program was established by Women s Economic Ventures back in 1995. Today, the loan program helps those women-owned small businesses that do not qualify for traditional bank financing to diversify and expand. The loans are typically targeted at low and moderate income women.

For startups, loans in the range of $1,000 and $25,000 are available, whereas for expansions the organization offers loans between $5,000 and $50,000. Funds can be used to make fixed asset purchases, physical improvements of the place of business and to meet operating expenses.

Interest on the loan is fixed at a rate of 10-15 percent.

You don t require a business plan or presentation to apply for loans under $5,000. Such loans can be approved within 3-4 weeks after you submit your application.

For loans over $5,000, you need to submit a business plan and get an approval from the Loan Committee. Such loans are generally approved 6-8 weeks after the submission of the application.

Wells Fargo

Wells Fargo is one of the leading lenders to women-owned businesses here in the United States. The company offers financial solutions designed to support women-owned small businesses.

Whether your company is well-established or just getting started, Wells Fargo business credit card can cater to your needs.

You can opt for loans and lines of credit to manage your cash flow during seasonal or business fluctuations, or simply borrow funds for special projects such as making equipment purchases, remodeling or business expansion.

To be eligible, your business should be at least 51 percent, operated and controlled by female individual(s) with U.S. citizenship.

Operation HOPE Small Business Empowerment Program

The Operation HOPE Small Business Empowerment Program is aimed at helping women from low-wealth neighborhoods realize their entrepreneurial dreams. By partnering with over 25 direct lenders across the U.S., the program offers a range of business loan options as well as resources, information and more.

For information on eligibility criteria and more, visit their website.

Opportunity Fund

If you own a California-based small business, you may want to consider Opportunity Fund. The organization offers loans of between $20,000 and $100,000 to California businesses. Funds can be used for working capital, equipment purchase, remodels and more.

Interest rates range between 8.5-10 percent, with a repayment term of up to five years.

To be eligible, you should be in business for at least one year. You shouldn t have any current credit delinquencies, open tax liens or open bankruptcies. You must also provide collateral to be eligible for the loan.

Balboa Capital

Balboa Capital offers a host of loan options with high approval rates for women entrepreneurs. These include working capital loans, flexible small business loans, business cash advances and equipment financing.

To get started, you need to first provide your business, owner information and wait for your application to get approved. To complete the application process, click here.

Economic Opportunities Fund (EOF)

Looking to start a new business, or struggling to get a loan? The Economic Opportunities Fund (EOF) is an option you should be taking a look at. A subsidiary of WORC, EOF offers loans, investment products and services to businesses in the Philadelphia Metropolitan Area, with a special focus on women.

The fund offers startup loans in the range of $500-$2,500 and lines of credit of up to $2,500. It also provides loans between $2,500 and $10,000 for business expansion.

You need to fill out the loan application form (PDF) and submit it along with all the requisite documents. Check the product and borrower eligibility pages to know if you meet the specific criteria for the product you are looking for.

PNC Financial Services

Financial solutions provider PNC is also focused on catering to the funding needs of women-owned businesses. The company has trained over 1,700 women s business advocates who work closely with women-owned businesses.

It provides business term loans to enable businesses to purchase assets or meet specific financing need. Loans can be unsecured, or secured by collateral. Interest rates are generally fixed for the life of the loan.

The application process is easy. You need to simply provide basic information about your business and check out the eligibility criteria of the product you are interested in.

Wisconsin Women s Business Initiative Corporation (WWBIC)

The Wisconsin Women s Business Initiative Corporation provides loans of up to $250,000 to small and micro businesses. The organization works closely with women entrepreneurs to analyze their financial needs and guides them through the loan process.

To qualify, your business should operate in the state of Wisconsin and have a successful track record. Entrepreneurs with extensive experience in the industry have stronger chances of qualifying for the loan. You should also have a written business plan and a strong credit history.