Overview
Women-owned businesses can access SBA lending programs, federal contracting set-asides (WOSB/EDWOSB), and some state or nonprofit grant competitions. There is no universal federal grant for all women-owned startups.
Key federal and state programs
These are legitimate program types. Availability and funding vary by location and year — always confirm current details on official sites:
- SBA Women-Owned Small Business (WOSB) federal contracting program
- SBA 7(a) and microloan programs
- State women's business centers and local grant competitions
- Amber Grant and other verified private competitions (not government)
Who may qualify
Eligibility rules differ by program and state. Common factors for this topic include:
- 51%+ women ownership and control for WOSB certification
- SBA lender credit and business requirements for loans
- Competition-specific rules for private grants
How to apply
Use only official government websites and portals. Federal agencies do not charge application fees for standard benefit programs, and no one can guarantee approval. Follow these steps for this topic:
- Certify at certify.sba.gov for federal contracting if eligible.
- Connect with your local Women's Business Center (SBA).
- Search only verified .gov and state portal opportunities.
Avoid scams
Protect yourself when researching assistance programs:
- Federal agencies do not charge application fees for standard benefit programs.
- Verify every program on an official .gov website before sharing personal information.
- Be wary of social media ads promising "guaranteed grant approval."
Official government sources
Verify program details, deadlines, and eligibility on these authoritative websites: