If you are a female entrepreneur that owns a flower shop, there are many opportunities available to access business loans tailored to support your growth.
One valuable option is microloan programs offered by corporate organizations that specifically empower women-owned businesses.
These programs provide smaller loan amounts with favorable terms designed to help women entrepreneurs overcome traditional financing barriers and invest in expanding their flower shops.
In this article, we will explore some of the top microloan programs from corporate organizations that support women-owned flower shops.
These programs often come with additional resources like business mentoring, networking opportunities, and financial education to boost your chances of success.
Top Microloan Programs That Support Women-Owned Flower Shops
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Kiva Microloans
Kiva is a nonprofit platform connecting small business owners with individual lenders worldwide.
Women-owned flower shops can access zero-interest microloans funded by community lenders. Kiva loans are flexible, with terms typically up to 36 months.
The platform also provides resources and support for entrepreneurs to build credit and grow their businesses.
Kiva’s peer-to-peer model empowers women by enabling direct connections with supportive lenders passionate about small business success.
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Grameen America
Grameen America specializes in providing microloans specifically designed for low-income women entrepreneurs, offering loan amounts between $500 and $15,000.
Beyond just funding, the program includes comprehensive financial training and personalized one-on-one coaching to help women build essential business skills.
For women-owned flower shops, this support not only delivers crucial capital for inventory, equipment, or marketing but also fosters sustainable growth.
Grameen’s strong emphasis on community, mentorship, and empowerment helps women overcome barriers and succeed in competitive markets long-term.
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Accion Opportunity Fund
Accion Opportunity Fund offers affordable microloans ranging from $500 to $100,000, specifically targeting underserved small businesses, with a strong focus on women entrepreneurs.
Alongside flexible repayment terms, borrowers receive valuable financial education and personalized support designed to strengthen business management and credit profiles.
Women-owned flower shops can leverage this funding to expand their operations, purchase fresh inventory, upgrade equipment, or invest in marketing efforts.
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National Association for the Self-Employed (NASE) Growth Grants
While NASE doesn’t offer traditional loans, it provides growth grants of up to $4,000 specifically for self-employed women.
Flower shop owners can use these funds to purchase equipment, increase inventory, or boost marketing efforts.
The application process is simple and accessible, making it easier for women entrepreneurs to apply.
In addition to funding, grant recipients gain access to expert business advice, educational resources, and support designed to help them grow.
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Hello Alice
Hello Alice empowers women entrepreneurs by providing access to microloans, grants, and valuable educational resources.
Their microloan program features flexible terms designed specifically for women-owned businesses in the retail and service sectors, including flower shops.
Beyond financing, Hello Alice connects borrowers to experienced mentors and a wide range of funding opportunities.
The platform fosters a supportive community where women business owners can share advice, access resources, and grow their flower shops with confidence and guidance.
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The Tory Burch Foundation Fellows Program
The Tory Burch Foundation provides women entrepreneurs with access to capital through strategic partnerships with lenders.
In addition to funding, the foundation offers a prestigious fellowship program that includes networking opportunities, business education, and personalized mentoring.
Women-owned flower shops can benefit greatly by applying, as the program supports both financial needs and professional development.
This combination helps flower shop owners build strong, sustainable businesses and achieve long-term growth and success in competitive markets.
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LISC Women’s Business Centers Microloan Program
Local Initiatives Support Corporation (LISC) Women’s Business Centers provide microloans up to $50,000 specifically for women entrepreneurs.
This program goes beyond funding by offering comprehensive training, personalized coaching, and valuable networking opportunities.
Women-owned flower shops can leverage this support to build sustainable growth strategies, improve operations, and expand their customer base.
LISC’s holistic approach ensures that borrowers receive the financial resources and business skills needed to thrive in competitive markets.
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Wells Fargo Diverse Community Capital Program
Wells Fargo provides microloans and business loans tailored specifically for women and minority-owned businesses, including women-owned flower shops.
Their program features competitive interest rates and a simplified, streamlined application process designed to make accessing capital easier.
Flower shop owners can use these funds for working capital, purchasing equipment, or expanding their operations.
Additionally, Wells Fargo offers valuable business resources, including financial tools and advisory services, to support entrepreneurs in growing and managing their businesses successfully.
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Citi Community Development Microloan Program
Citi’s Community Development microloan program is designed to support small businesses owned by women and minorities, offering loans ranging from $5,000 to $50,000.
This program not only provides essential funding but also delivers valuable business support services, including training and consulting.
Women-owned flower shops can use the loan to enhance operations, increase inventory, or invest in marketing efforts.
With Citi’s guidance, entrepreneurs are better equipped to scale their businesses and achieve sustainable growth.
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Women’s Venture Fund
The Women’s Venture Fund is a nonprofit organization that provides microloans ranging from $5,000 to $50,000 specifically for women entrepreneurs.
Alongside financing, they offer comprehensive business training and consulting services to help women build and grow sustainable enterprises.
For women-owned flower shops, this fund offers flexible loan options combined with expert guidance, empowering them to manage finances effectively, expand operations, and strengthen their market presence.
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Kauffman Foundation Microloan Program
The Kauffman Foundation actively supports entrepreneurship through a range of initiatives, including microloan programs aimed at women business owners.
Their accessible funding options help women-owned flower shops manage cash flow challenges and finance opportunities for growth.
Beyond financing, the foundation offers valuable entrepreneurship education, training, and mentoring.
This comprehensive support empowers women to confidently scale their flower shops.
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Operation HOPE Microloan Program
Operation HOPE provides microloans up to $50,000 specifically for women entrepreneurs who face challenges accessing traditional credit.
Their program is designed to support women-owned flower shops by offering not only vital funding but also comprehensive financial literacy education and personalized coaching.
This combination helps business owners build strong credit profiles, manage finances effectively, and improve overall operations.
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Amber Grant Foundation
The Amber Grant Foundation awards monthly microgrants to women entrepreneurs, providing valuable financial support that can benefit women-owned flower shops.
Unlike loans, these grants do not require repayment, making them a great way to boost cash flow and cover immediate business needs such as inventory or marketing.
Receiving an Amber Grant can also enhance a business’s credibility, opening doors to larger loans or investment opportunities.
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Small Business Administration (SBA) Microloan Program
SBA microloans offer funding up to $50,000 with favorable terms designed to support small business owners, including women-owned flower shops.
These loans are distributed through nonprofit intermediaries who not only provide the capital but also deliver valuable training and technical assistance.
This combination helps borrowers build strong business skills, manage finances effectively, and increase their chances of long-term success.
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The Eileen Fisher Women-Owned Business Grant
Eileen Fisher’s grant program provides funding specifically to women entrepreneurs dedicated to sustainability and business growth.
Women-owned flower shops that prioritize eco-friendly practices and innovative solutions can benefit greatly from these grants.
Unlike loans, the funding does not require repayment, reducing financial pressure while enabling recipients to scale their operations, invest in sustainable materials, or develop new green initiatives.
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StreetShares Foundation
StreetShares provides microloans and grants tailored to small business owners, with a strong focus on supporting women entrepreneurs.
Their unique peer lending platform connects borrowers with affordable capital, making it easier for women-owned flower shops to access the funding they need.
Beyond financing, StreetShares offers valuable resources and mentorship to help business owners improve operations, manage growth, and build sustainable businesses.
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Cameo Lending
Cameo Lending focuses on providing microloans to small, women-owned businesses, offering a convenient and supportive lending experience.
Their simple online application process and flexible repayment terms make it easier for flower shop owners to access the funding they need without delay.
These loans are ideal for covering seasonal inventory, promotional efforts, or small expansions.
With fast approval times and personalized service, Cameo Lending helps women entrepreneurs grow their businesses with confidence and financial flexibility.
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Funding Circle
Funding Circle offers small business loans at competitive rates, specifically supporting women entrepreneurs looking to grow their ventures.
Although not strictly classified as microloans, their smaller loan options are accessible and well-suited for women-owned flower shops.
These funds can be used to expand services, invest in marketing campaigns, purchase inventory, or upgrade equipment.
With a streamlined online application process and quick funding turnaround, Funding Circle provides an efficient solution for women seeking capital to scale their flower businesses.
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Women’s Business Centers (WBCs) Microloan Programs
Women’s Business Centers (WBCs) across the U.S. offer microloans paired with targeted business training and mentorship designed specifically for women entrepreneurs.
These centers provide hands-on, personalized support to flower shop owners, helping them not only secure funding but also build essential business skills.
Services include financial planning, marketing guidance, and growth strategy development.
By combining capital access with education and ongoing assistance, WBCs empower women-owned flower shops to grow sustainably and compete effectively in their local markets.
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Accion East Microloan Program
Accion East offers microloans ranging from $500 to $100,000, specifically designed to support underserved entrepreneurs, including women-owned flower shops.
Their flexible loan terms make it easier for small businesses to access the capital they need for inventory, equipment, or expansion.
In addition to funding, Accion East provides financial education and business support services to help entrepreneurs build strong, sustainable operations.
Their mission is to empower women business owners through accessible financing and long-term growth resources.
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National Women’s Business Council (NWBC) Resources
The National Women’s Business Council (NWBC) is not a direct lender but plays a vital role in connecting women entrepreneurs to microloan opportunities and other funding resources.
Through research, policy advocacy, and information-sharing, NWBC helps women-owned flower shops identify the most suitable financing programs available across the country.
Their platform serves as a valuable resource hub, guiding business owners toward capital options, mentorship, and tools that support long-term growth and economic empowerment for women in business.
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Prosperity Now Microloan Program
Prosperity Now supports women entrepreneurs by offering microloans combined with technical assistance and financial education.
Their program is designed to help women-owned flower shops access affordable financing, build strong credit histories, and increase cash flow for sustainable growth.
In addition to funding, Prosperity Now provides tools and resources that empower business owners to make informed financial decisions.
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CircleUp Credit
CircleUp provides microloans and financing solutions specifically designed for consumer product businesses, including women-owned flower shops.
Their platform not only offers access to capital but also leverages data-driven insights to guide strategic decision-making.
This combination helps entrepreneurs identify growth opportunities, optimize operations, and expand effectively.
CircleUp’s support empowers flower shop owners to make informed choices, manage resources efficiently, and scale their businesses with confidence, while navigating competitive markets more successfully.
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Biz2Credit Microloan Program
Biz2Credit connects women entrepreneurs with a broad network of lenders offering microloans tailored to small business needs.
Through a streamlined online application process, flower shop owners can quickly access funding ranging from $10,000 to $50,000.
These funds can be used for business expansion, purchasing inventory, or managing day-to-day working capital.
In addition to funding, Biz2Credit provides business insights and financial tools to help entrepreneurs make informed decisions and grow their flower shops efficiently and sustainably.
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IFundWomen Microloans
IFundWomen is a unique platform that combines crowdfunding with access to microloans specifically for women entrepreneurs.
Flower shop owners can use the platform to raise capital from supporters while also qualifying for loans and personalized coaching.
This dual approach allows business owners to fund operations, inventory, or expansion while building community support and visibility.
IFundWomen also offers expert mentorship and educational resources, making it a powerful tool for sustainable business growth.