Hearth & Capital

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.

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

10

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.

01

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.

02

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.

03

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.

04

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, private and family foundation grants backed by their public IRS Form 990 filings, plus state and regional 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.

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

1 sample eligibility & readiness check

5 AI credits, one time

  • —One sample eligibility and readiness check, free
  • —Unlimited browsing of the verified Funding Hub — federal, state, regional, private, foundation
  • —Fit ranking against your questionnaire
  • —Save up to 3 opportunities

Most founders start here

Grow

Full Access

Everything you need to actually finish and send applications.

$27/month

Up to 3 complete application drafts a month

About 3 full drafts a month (25 AI credits)

  • —Up to 3 complete application drafts a month, written with you in the Application Coach
  • —3 tailored grant budgets with saved versions and comparison
  • —Packet exports in Word, PDF, Markdown and CSV
  • —Application tracker with reminders and proof of submission
  • —Document checklists per program, unlimited saves
  • —Answer library with version history

Bloom

Premium Access

Draft as much as you need, and have a reviewer board read it first.

$49/month

Unlimited drafts + reviewer-board scoring

Effectively unlimited drafting (300 AI credits a month)

  • —Everything in Grow, with effectively unlimited drafts and budgets
  • —Reviewer-board scoring — a line-by-line read of your narrative before you submit
  • —Document-gap audit ranking what blocks the most programs
  • —Award-value and readiness analytics across every program
  • —Priority Application Coach responses
What each plan lets you finish
What you get donePlant the SeedGrowBloom
Finished application drafts each monthSample onlyUp to 3Unlimited
Grant budgets you can build and save—3 tailored budgetsUnlimited
Reviewer-board scoring on your draft——Line by line
Verified Funding HubUnlimited browsingUnlimited browsingUnlimited browsing
Private & family foundation matches (IRS 990)IncludedIncludedIncluded
Saved opportunities3UnlimitedUnlimited
Packet exports (Word, PDF, Markdown, CSV)—Word, PDF, Markdown, CSVWord, PDF, Markdown, CSV
Tracker, reminders, proof of submission—IncludedIncluded
Readiness analytics & document-gap audit——Full audit

A “draft” is a full application section set written with you in the Application Coach and exported as a packet. 1 credit = 1 AI action — a coach message, a draft review, a reviewer's-eye score, or a budget coach pass. Credits are simply the fair-use meter behind those drafts.

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 drafting 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.

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, check private and family foundations against their public tax filings, and verify every state, regional 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.

Nothing goes live until a curator verifies it. You’ll get a tracking code to follow the review.

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