If you’re a woman entrepreneur in Manitoba who needs capital to start, grow, or buy a business, WeMB loans are one of the most flexible financing options available. WeMB offers repayable loans of up to $150,000 for women-led businesses at different stages, including early start-up. Unlike many bank products, the program is designed specifically for women and gender-diverse founders in Manitoba.
WeMB — Loans is a financing program offered by WeMB, a non-government organization focused on supporting women entrepreneurs in Manitoba. While WeMB’s resources may reach beyond the province, its loan program is designed for Manitoba-based women and gender-diverse business owners.
Because this is a loan program, you must repay the funds under agreed terms. The main advantage is access to capital that may not require the same collateral or history as a traditional bank loan.
To qualify for WeMB loans in Manitoba, your business must meet all of the following criteria:
Tools like GrantHub’s eligibility matcher can help you quickly check if your ownership structure and business stage fit programs like WeMB.
The application process is hands-on. You get support from WeMB advisors at every step.
WeMB loans can be used by themselves or with grants, as long as you follow each program’s rules. For more info, see How to stack grants and loans without violating funding rules.
Assuming WeMB is a grant
WeMB loans are fully repayable. Plan your cash flow so you can make payments.
Not meeting the 51% ownership rule
If women do not clearly control at least 51% of voting shares, your application can be declined.
Applying without clear financial projections
Even early-stage businesses must show how they will generate revenue and repay the loan.
Waiting too long to apply
If you are “about to operate,” you can still apply. Many founders wait until cash runs out, which weakens their application.
Q: Who is eligible for a WeMB loan in Manitoba?
Women and gender-diverse entrepreneurs who own and control at least 51% of a business, are Canadian citizens or permanent residents, and operate (or plan to operate) in Manitoba are eligible.
Q: How much funding can I get through WeMB?
WeMB loans range from $5,000 to $150,000, depending on your business stage and financing needs.
Q: Is the WeMB loan repayable?
Yes. WeMB provides repayable loans, not non-repayable grants. Repayment terms are set during approval.
Q: Can I use a WeMB loan to buy an existing business?
Yes. Business acquisition is an eligible use of funds under the WeMB loan program.
Q: Do I need to already be operating to apply?
No. Businesses that are about to operate in Manitoba can also qualify, as long as all other eligibility rules are met.
WeMB loans can play a key role in funding your Manitoba-based business, especially if traditional lenders are not an option. GrantHub tracks hundreds of active grant and loan programs across Canada — including women-focused financing — so you can see which options fit your business profile before you apply.
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