Her Personal Finance

The firm provides private credit, primarily revenue-based financing and convertible notes, to female-founded and gender-diverse technology companies. Instruments are structured around monthly recurring revenue streams rather than traditional asset collateral. This allows the firm to serve borrowers that conventional venture-debt providers often decline despite strong unit economics.

Her Personal Finance underwrites against customer concentration risk, net revenue retention, and founder operating history, explicitly excluding founder gender and personal credit scores from the decision model. Traditional venture-debt providers rely heavily on the brand of a borrower's equity backers and the founder's network, which systematically disadvantages women-led companies that have equivalent financial metrics but fewer warm introductions to credit committees.

The firm occasionally structures hybrid instruments that include warrant coverage or embedded equity-kickers, but does not operate a pure equity fund. The primary mandate remains private credit. Any equity exposure emerges from conversion features negotiated at deal level, not from a separate venture-capital allocation.

Target sectors include fintech, enterprise software, and commerce infrastructure. The firm focuses on seed through Series B stages, where companies have demonstrated product-market fit and recurring revenue but lack the venture-backer brand recognition that banks use as a credit shorthand. Life sciences and hardware companies are excluded due to capital-intensity profiles that favor pure equity over debt.

Her Personal Finance deploys a single-family balance sheet and does not raise capital from external limited partners. This structure eliminates fund-lifecycle pressure and allows the investment committee to hold debt positions through borrower liquidity events without being forced to exit on a third-party fund's timeline.