Fiscal Investments


Today, if you’re a minority or woman business owner, your odds of getting a traditional bank loan are slim, because, as challenging as the financial environment has been for small businesses, those owned by women and people of color have faced additional funding obstacles created by conscious or unconscious (institutional) bias.

Both women small business owners and small business owners of color are turned down for loans more often, and when they do get loans, those loans tend to be for less—sometimes significantly less—money, and come with a higher interest rate.

What is interesting, is that according to the most recent figures contained in the 2016 State of Women-Owned Businesses Report, the number of women-owned firms increased by 45 percent last year—a rate five times the national average. And 79 percent of women-owned firms launched over the past nine years were founded by women of color. Through programs such as the HERs OWNlY™ Pitch Contest and the TOFi™ Investment Program, TOFi™ seeks numerous ways it can change the narrative and provdie women/girls of color access to the capital they need to succeed.

Consulting Managers

Antoinette Cheek

Antoinette Cheek

Founder, Chief Creative Officer
Carmen Adams

Carmen Adams

Legal, Independent Consultant

We look for new and creative ways to market your product and connect with customers.

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