WOSB · Women-Owned

Capital for women-led firms winning government work.

We finance Women-Owned and Economically Disadvantaged Women-Owned Small Businesses across federal, state, and municipal procurement programs.

Certifications & Programs

Programs and contract vehicles we support.

  • SBA WOSB certification
  • SBA EDWOSB certification
  • WOSB and EDWOSB federal set-asides
  • State and municipal women-owned programs
  • WBENC certification recognized
  • Mentor-Protégé joint ventures
Challenges We Address

The capital gaps standing between your contract and your growth.

  • Securing capital without leveraging personal assets disproportionately.
  • Funding hiring and equipment to meet contract performance windows.
  • Building bonding capacity for larger services and construction work.
  • Scaling beyond initial set-aside awards into open competition.
Tailored Solutions

Capital structured for your business and your contracts.

Contract Mobilization Capital

Cover staffing, equipment, and ramp-up costs after award.

Government A/R Factoring

Turn federal and municipal invoices into immediate working capital.

SBA 7(a) & 504 Loans

Long-term funding for facilities, refinancing, and acquisitions.

Equipment & Fleet Financing

Acquire the assets needed to deliver on every award.

Bonding & Surety Support

Bid, performance, and payment bonds for WOSB contractors.

Working Capital Lines

Reliable liquidity that grows alongside your contract backlog.

Why Checkmate

Built for the work you do.

  • Capital structures that protect founders' personal balance sheets.
  • Experience supporting women-led firms across services, construction, and tech.
  • Mission-aligned partner committed to women-owned business growth.
  • Direct relationships — not anonymous underwriting.

Ready to move your contract forward?

Talk to our team about a financing structure built for your business.

Request Funding