Learn how certification can help your business

Women-owned and operated businesses can access federal contracts, extensive support networks and more.

What defines a woman-owned business?

While requirements will vary depending on the certifying organization, your business generally needs to be at least 51 percent woman-owned and operated to qualify for the benefits afforded to women-owned businesses.

Each year, the U.S. Small Business Administration (SBA) aims to award at least 5 percent of federal contracting dollars to certified women-owned small businesses (WOSB). To gain access to those contracts, your business must be WOSB certified, meaning it qualifies as a small business according to the SBA standards, is at least 51 percent owned and controlled by women who are U.S. citizens and has a woman managing day-to-day-operations.

Another certifying organization is the Women’s Business Enterprise National Council (WBENC), a nonprofit that’s committed to helping women-owned businesses succeed. If your business is at least 51 percent owned, operated and managed by a woman or women, you can become WBE certified. Certification allows access to an extensive network of support, education programs, mentorship opportunities and increased visibility in corporate and government supply chains. 

How M&T Bank can help

M&T has resources and support for woman-owned businesses seeking certification. We know that a diverse business community is a strong business community, which is why we so strongly support women entrepreneurs in the areas we serve. Work with a partner that will take the time to understand your unique business and guide you to the benefits that can help spur your success.

Let our experience helping women entrepreneurs pay off for you. Schedule an appointment with your local M&T branch.


Multicultural-Owned Entrepreneurs

Our resources can help you make sure you get the support and financial products that are right for your business. Learn more about minority-owned business entrepreneurs.

Partner with M&T Bank

M&T’s Business Banking Specialists are ready to offer you support at any stage of your business. Get to know the advantages of being an M&T Business Banking client. 

This article is for informational purposes. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.