Vol. 01 — For the 600,000 and counting

They exited you. So you built your own table.

Hearth & Capital is the Funding Hub and application workspace built for Black women founders and open to all women of color. Grants, SBA and lending, food and farm programs, creative fellowships, city and neighborhood funds — ranked for you, with the effort level and the catch spelled out, then the checklists, budget, coach and tracker that get the application actually submitted.

Find your capital →See plans

Plant the Seed is free forever • 2-minute questionnaire • No waitlist

Federal programs synced today · New programs found and verified weekly · Database refreshed every 6 hours · Email me new funding I’m eligible for

A Black woman founder seated in warm afternoon light

600K+

Black women pushed out of the workforce since Jan 2025

$140M+

In grants & capital tracked in the Funding Hub

Funding lanes: federal, SBA, corporate, foundation, state, city, CDFI, food & farm, creative, community

6 hrs

Our database is updated every 6 hours

Sources: award totals are the sum of published amounts across the verified programs in our own Funding Hub. Workforce figures are from a 2026 Institute for Women’s Policy Research (IWPR) report on Black women’s labor force participation since January 2025.

Black woman standing in the doorway of her boutique

Why we built this

The layoff wasn’t the end. It was the beginning.

Over 400,000 Black women started businesses in the last two years alone. Many were pushed out of corporate roles that never really made room for us. We rewrote the offer letter — to ourselves.

But the capital? It’s scattered. Buried on state websites, gate-kept behind private networks, or written in language that doesn’t sound like us. Black women receive less than 1% of venture funding — not because we’re not building, but because the map was never drawn for us.

Hearth & Capital is that map. Every grant, every program, every dollar earmarked for founders like you — in one editorial Funding Hub, ranked by fit and readiness.

How it works

Your funding search, clarified.

Tell us who you are

A short questionnaire captures your state, stage, industry and what you're raising for. This is your workspace — no fake profile, just yours.

See what's already yours

Verified grants and capital ranked by fit and readiness — regional first, then federal and private, each with a last-verified date.

Write it with the coach

Draft sections, build the budget, save reusable answers, and get a reviewer's-eye score on your narrative before you send it.

Submit and track it

Log your confirmation number, upload proof of submission, and keep every version of what you sent in one place.

See it work

Watch a founder go from match to submitted.

Real screens from inside the workspace, using one founder’s application as the example. No signup needed to look.

Find what's already yours

Every verified grant, ranked by how well it fits your state, stage and industry — with the reasons written out, not hidden in a score.

All plans, including free

hearthandcapital.com / opportunities

Illustrative example

Private · WomensNet

Amber Grant for Women

$10,000

Closes in 9 days

EligibleAccepting applications

Why this fits you

You're an early-stage, woman-owned business in Georgia — both stated requirements.
Your industry (food & beverage) matches four of the last six monthly awardees.
You already have 5 of the 6 documents this application asks for.

Missing: a one-page budget

Who it’s for

Built for the woman who refuses to wait.

Hearth & Capital is designed with and for Black women and women of color building real businesses. Whether you’re pre-revenue with an idea or scaling past your first million, we surface the capital already earmarked for you.

—The aspiring founder with an idea and a notebook
—The corporate exit turning severance into a launch
—The early-stage business raising first capital
—The established owner ready to scale past seven figures

A Black woman founder writing at her desk

Inside your workspace

Not a list of links. A place to finish the work.

Every program in the Funding Hub is checked by a human and re-checked automatically for dead links and moved deadlines. From there, the tools carry you to submitted.

A verified Funding Hub

Federal opportunities pulled live from Grants.gov, plus state, regional and private programs curated by hand — each with a last-verified date you can see.

Fit ranking, not guesswork

Your questionnaire ranks every program by eligibility and readiness, starting in your region and working outward.

Document checklists

Per-program 'what you need to apply' lists that track only against the documents and information you've actually provided.

An AI application coach

Ask questions about a program, draft a section, or have a draft reviewed the way a grant reviewer would read it.

Budget builder & versions

Line-item budgets with justifications and math checks. Save multiple versions per program and compare category totals side by side.

Answer library

Save the paragraphs you keep rewriting, with full version history and word-level diffs so you can see what changed.

Reviewer's-eye score

A weighted read of your narrative across fit, impact, clarity and feasibility — with the specific lines to fix.

Application tracker

Opening a program marks it started; the tracker keeps asking until you confirm you submitted, and holds your confirmation number, date and proof upload.

Packet exports

Pull your narrative, budget, checklist and score into one application packet as Markdown, PDF or CSV.

The Application Consultant

It doesn’t write for you. It interviews you.

Most AI tools guess at your business and hand you a generic paragraph. Ours asks one question at a time — the same questions a grant writer would — then assembles the section from your answers, your profile and the documents you’ve uploaded.

This is a sample conversation. The consultant works from your profile and your uploaded documents — it never guesses. Anything it can't verify comes back as a bracketed placeholder for you to fill.

Start your 7-day trial to write yours →

hearthandcapital.com / application consultant

Illustrative example

Application Consultant

Statement of Need — Amber Grant for Women

Consultant

Plans

The Funding Hub is free. Always.

We don’t put funding behind a paywall. What you pay for is the workspace that turns a listing into a submitted application — and the coach that reads your draft before a reviewer does.

Plant the Seed

Entry

This is the entry point — see every dollar already earmarked for you.

$0forever

5 AI credits, one time

—The full verified Funding Hub — federal, state, regional, private
—Fit ranking against your questionnaire
—Save up to 3 opportunities
—5 AI credits, one time, to try the coach

Most founders start here

Grow

Full Access

Everything you need to actually run your applications.

$27/month

25 AI credits a month

—Everything in Plant the Seed, with unlimited saves
—Application tracker with reminders and proof of submission
—Document checklists per program
—Budget builder with saved versions and comparison
—Answer library with version history
—Packet exports — Markdown, PDF, CSV
—25 AI credits a month

Bloom

Premium Access

Readiness analytics and the reviewer's-eye score behind them.

$49/month

300 AI credits a month

—Everything in Grow
—Award-value and readiness analytics across every program
—Your biggest document gaps, ranked by how many programs they block
—Reviewer's-eye score on your narrative
—300 AI credits a month — effectively unlimited

1 credit = 1 AI action — a coach message, a draft review, a reviewer's-eye score, or a budget coach pass.

Paid plans include a 7-day free trial with 25 AI credits to use during it. Cancel any time before day 7 and you won’t be charged, or start your subscription early from your billing page.

Need more AI mid-month? Grow and Bloom members can add 100 credits for $10 or 300 credits for $49. Bloom members can also buy the 1,000-credit pack for $69. Purchased credits are good for 12 months.

Compare plans in detail →

Two Black women founders laughing together in their studio

From a founder in the Funding Hub

“I spent six months Googling grants at 11pm. Hearth & Capital handed me a shortlist in an afternoon — and I won the first one I applied to.”

— Jasmine C., founder • Atlanta, GA

A seat at your own table

Your capital is already out there. Let’s go get it.

Sign up and complete a 2-minute questionnaire. Your matched Funding Hub is ready immediately — no waitlist, no gatekeeping.

Already have an account? Log in

Plant the Seed is free forever • Paid plans start with a 7-day trial • Your data is yours

Add to the Funding Hub

Know of a program? Want to fund one?

We track federal opportunities automatically and verify every state, regional, private and nonprofit program by hand. If you know of something we’re missing — or you’re an organization that wants to put capital behind Black women and women of color — we want to hear from you.

Want to partner or fund?

Private companies, foundations, nonprofits and individual supporters: partner with us to get your program in front of the founders it was built for.

Start a conversation →

Or write us directly at hello@narratai.co