Business Loans For Women-Owned & Women-Led SMEs

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Who We Loan To

For women-owned and women-led businesses across services, health and retail sectors.

If you are generating consistent revenue, ready to scale and looking for capital that understands your business, F5 Collective could be the right fit.

  • Established businesses across professional and service-based sectors including; legal, accounting, beauty, hospitality, education and trades with strong client relationships

    • Professional Services: legal, accounting, financial advisory, HR and consulting firm

    • Business Services: marketing agencies, IT services, compliance, security and commercial cleaning

    • Beauty and Personal Care: salons, aesthetic clinics and cosmetic treatment studios

    • Fitness and Wellness: Pilates studios, yoga, personal training and allied wellness operators

    • Education and Training: tutoring, childcare, coaching academies and specialist training providers

    • Hospitality: cafés, catering businesses and event venues

    • Home and Trade Services: plumbing, electrical, HVAC, landscaping and maintenance

    • Logistics and Distribution: small-scale logistics and specialised distribution businesses

  • Practitioner-led clinics and regulated healthcare businesses with proven demand, from medical, dental, allied health and diagnostics.

    • Medical Practices: GP clinics, specialist practices and urgent care centres

    • Dental: general, cosmetic, orthodontic and multi-site dental practices

    • Women's Health: fertility, gynaecology and midwifery clinics

    • Allied Health: physiotherapy, occupational therapy, speech pathology and related practices

    • Mental Health: psychology and counselling clinics

    • Veterinary: veterinary clinics and specialist animal practices

    • Optical: optometry and optical clinics

    • Radiology and Diagnostics: imaging and diagnostic centres

  • Modern consumer brands with strong identity and scalable distribution, selling direct and through wholesale channels across health, beauty, lifestyle and fashion.

    • Health, Wellness and Nutrition

    • Beauty and Personal Care

    • Home and Lifestyle

    • Fashion, Apparel and Accessories

    • Specialty Retail and Experiences

    • Pet Products and Services

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Institutional Strength and a Personal Approach

F5 Collective combines deep sector expertise with disciplined underwriting and a long-term view.

We deliver targeted financing solutions for woman-owned and woman-led businesses, with the rigour institutional investors expect.

  • Custom solutions designed to meet your strategic and financial objectives.

  • Seasoned professionals with deep expertise across sectors and cycles.

  • Aligned with your vision for sustainable growth and impact

What We Do Not Fund

F5 Collective funds established, revenue-generating businesses with a clear pathway to growth.

At this stage, we do not fund early-stage or pre-revenue businesses. We also do not fund sectors outside our values or responsible lending approach, including adult entertainment, tobacco, vaping, gambling, weapons, cryptocurrency, speculative trading, regulated utilities or high-risk financial services.

If your business is not yet ready for F5 Collective funding, we encourage you to explore F5 Intelligence.

It is designed to help women strengthen their business, build financial confidence and prepare for a future funding conversation.

EXPLORE YOUR BUSINESS LOAN SOLUTIONS