Digital
Women® provides information on loans for micro business,
small business loans for women and business grant funding.
WHAT
IS a Digital Woman?
She is someone who
has a connection to the internet, is TIRED of working the 9 to 5 or for
the corporate big guys, needs financing for her small business, wants to
network with other businesswomen, wants to start small business of her
own, wants to know where to find the business loans or the free business
grant application and wants to become financially independent through her
own efforts of her own woman-owned business. The main key to a successful
business startup or expansion is your ability to securely obtain adequate
financing or funding for your small business or home business.
Digital Women has over 17,000
International members. We provide information on starting a business, business
finance resources including small-business loans for women and non-government
business grants for women, along with a networking community for women-in-business.
We have been offering a "free" membership
since 1998.
.
Business loans
for women generally consist of normal commercial lending, loans from the
SBA, Small Business Administration, or sometimes even equity investments.
There IS financing available for women entrepreneurs including grants for
minorities, business grants for women, and government loans. Most options
for women business owners to gain financing can include advances on merchant
account sales, invoice factoring, or even lines of credit at the very businesses
where you purchase your inventory or business supplies. If your credit
is just fair to poor, there are still financing options for you.
Most grants
for women do not include a grant for business. There are plenty
of non-government grants available. If you are looking for a grant to start
a business then that business will probably have to be a non-profit type
business.
Women-owned businesses
are as financially sound and creditworthy as the typical firm in the U.S.
economy, and are more likely to remain in business than the average U.S.
firm. 84.8 percent of all businesses owned by women are sole proprietorships.
Sole proprietorships operated by women in the United States underwent dramatic
increases from 1990 to 1998 in terms of numbers, gross receipts and net
income. Availability of business loans are key factors in funding and financing
a lot of the businesses
For many women, taking out
a loan is the only way to buy a house, car, or college education. For businesses,
loans likewise are essential to start many companies, purchase inventory,
or invest in capital equipment. Loan officers facilitate this lending by
finding potential clients and helping them to apply for loans. Loan officers
also gather personal information about clients and businesses to ensure
an informed decision regarding their creditworthiness and the probability
of repayment. Loan officers may also provide guidance to prospective borrowers
who have problems qualifying for traditional loans. (DOL)
According to the VA, Of the
nearly 24 million living Veterans, including women, less than 10% have
used a VA Loan and Over 80% of VA Loan borrowers could not qualify for
a conventional loan.
Women
are projected to account for 49% of the increase in total labor force growth
between 2006 and 2016. A record 68 million women were employed in the U.S.--75%
of employed women worked on full-time jobs, while 25% worked on a part-time
basis, according to the DPL.
From
the AFL-CIO, Women account for 70 percent of the world’s population living
in poverty—even though they make up 45 percent of the world’s workforce.
DigitalWomen ® provides an International online community for women in
business, business women around the world. Inside you will
find free business resources and tools including information about grants, women loans, payday loans, cash advance loans, free business
tips, work at home business ideas, free marketing and sales tips, how to
write a mission statement, free daily planner, how to business articles and an opportunity to join and promote your woman-owned-business
right here! Over 900 pages of business resources including grant and loan
information.
Small business owners realize that applying
for business financing or funding is a complicated process and much different
than applying for a personal loan or personal credit. When applying for
business financing or a business grant you must plan on careful preparation,
a smart proposal, and understand the funding process and what it might
take to qualify for that small business loan or grant. To qualify for an
SBA guaranty, a Small Business Administration loan, a small business must
meet the 7(a) criteria. The law protects you when you deal with any creditor
who regularly extends credit, including banks, small loan and finance companies,
retail and department stores, credit card companies, and credit unions.
Anyone involved in granting credit, such as real estate brokers who arrange
financing, is covered by the law. Businesses applying for credit also are
protected by the law.
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