Women-owned businesses are powering the future of the U.S. economy. From retail and healthcare to logistics, construction, and digital services, women are leading businesses in every sector and doing it at record-setting pace.
In fact, women now own more than 12 million businesses in the United States, employing over 9 million people and generating nearly $2 trillion in annual revenue.
But even with this level of impact and success, one major obstacle remains: access to capital.
For many women entrepreneurs, getting approved for traditional funding through banks is difficult. They’re met with tighter lending standards, more scrutiny over credit, and fewer flexible options…especially when compared to their male counterparts. The result? Growth is delayed, opportunities are missed, and the business is forced to self-fund or slow down.
At Spartan Capital, we believe that funding should support your momentum, not block it. That’s why we offer alternative funding solutions designed to give woman-owned businesses access to fast, flexible capital that aligns with real-world operations.
If you’re a woman entrepreneur looking to grow, here’s what you need to know about accessing capital without going through the traditional banking maze.
The Challenge: Why Traditional Funding Often Falls Short
The financial industry is slowly evolving, but the reality is clear: traditional lenders continue to create barriers for small businesses and even more so for those owned by women.
Some of the most common issues woman-owned businesses face when seeking traditional financing include:
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Strict credit requirements that don’t account for cash flow or current business performance
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Lack of collateral, especially for service-based or younger businesses
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Limited operating history, which penalizes newer ventures regardless of growth
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Gender bias, which still exists in the lending world, even if subtle
According to multiple studies, women are less likely to be approved for traditional small business loans, and when they are, they often receive less favorable terms than men.
This is where alternative funding steps in, not as a last resort, but as a smarter, more adaptable way forward.
What Is Alternative Funding?
Alternative funding refers to non-bank financing solutions designed to provide businesses with faster, more flexible access to capital. Unlike traditional loans that require long applications, asset-backed collateral, or months of documentation, alternative funding looks at the bigger picture, especially your business’s revenue performance.
At Spartan Capital, we provide a variety of alternative funding options including:
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Revenue-Based Financing
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Merchant Cash Advances (MCAs)
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Short-Term Working Capital
These are not cookie-cutter loans. They’re tailored funding solutions based on your real-time needs and the reality of your business operations.
Let’s break down each option.
Revenue-Based Financing: Fuel Growth on Your Terms
Revenue-based financing allows business owners to receive upfront working capital, then repay it through a percentage of their future business revenue.
This option is especially helpful for woman-owned businesses that are generating strong monthly sales but may not have a long credit history or substantial assets.
Key Benefits:
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Repayment is flexible, tied to revenue, not fixed monthly payments
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Requires less documentation than a traditional loan
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Helps manage cash flow fluctuations by adjusting payments in real time
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No need to give up equity or control of your business
Many of the woman-owned businesses we work with use revenue-based financing to invest in new hires, marketing campaigns, equipment upgrades, and location expansions, all without the delays or demands of a bank.
Merchant Cash Advances: Fast Capital, When You Need It Most
If your business processes daily or weekly card sales, a Merchant Cash Advance (MCA) could be a highly effective solution.
With an MCA, you receive a lump sum of working capital in exchange for a portion of your future credit card or debit card sales. This product is designed for speed and ease, with funding often delivered in 24 to 48 hours.
Why it works well for woman-owned businesses:
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Approval is based on revenue performance, not just credit score
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No need for traditional collateral
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You can access funds quickly to cover immediate opportunities or challenges
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Payments automatically adjust based on how your business performs
Whether you’re restocking inventory, preparing for a seasonal rush, or simply need a financial cushion to operate smoothly, an MCA gives you the freedom to act fast.
Short-Term Working Capital: Stability Through Uncertainty
Every business experiences fluctuations, especially in today’s economy. From supply chain challenges to rising costs and seasonal dips, sometimes you just need access to short-term capital to stay ahead.
Spartan Capital offers short-term working capital solutions for exactly those moments.
Use this funding to:
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Bridge gaps in accounts receivable
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Cover payroll during slow periods
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Invest in marketing or new technology
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Pay for emergency repairs or operating expenses
Our goal is simple: to keep your business moving forward, even when unexpected needs arise. These working capital solutions are structured for quick approval and fast delivery, so you don’t lose momentum.
The Spartan Capital Difference
Spartan Capital is more than a funding provider. We’re a partner to small businesses, especially those led by women who are ready to take the next step in their growth journey.
We understand the unique challenges woman-owned businesses face in the funding space. That’s why we’ve designed our process to be:
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Straightforward – Minimal paperwork, clear terms, no hidden fees
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Fast – Most approvals and funding are completed within 1–2 business days
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Flexible – Funding based on revenue, not just credit score
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Relationship-Driven – We’re here to support you, not slow you down
You’ve built something worth growing. We’re here to help you do it with capital that matches your pace, not traditional standards.
Growth Is Possible, With the Right Funding Partner
You don’t need to wait for a bank’s approval to move forward.
You don’t need to drain your savings to keep your business afloat.
You don’t need to delay your goals because funding is hard to access.
With Spartan Capital, you can get the capital you need quickly, confidently, and without unnecessary friction.
We fund hundreds of small businesses each month, and many of them are owned and led by women like you driven, resilient, and ready to grow.
If you’re ready to take the next step, we’re ready to help you get there.