Women entrepreneurs in India are increasingly entering the formal credit ecosystem, supported by microfinance and government schemes. However, a significant financing imbalance exists, with only 4.3% of women-owned enterprises able to access cash credit or overdraft facilities. While participation in borrowing has improved, much of it is limited to small loans and informal credit, leaving a gap in access to larger, flexible capital products crucial for business scaling. Factors such as volatile cash flows, lack of formal asset ownership, and insufficient documentation hinder women's access to complex financing options. Digital lending models are evolving, moving towards cash-flow-based underwriting, but experts warn that these solutions are not yet comprehensive for larger credit needs. Structural reforms are necessary to create a more inclusive financial environment for women entrepreneurs, emphasizing the need for better product design and credit guarantees to ensure their economic empowerment.