Women entrepreneurship has emerged as a critical driver of economic development, poverty reduction, and social transformation across both developed and developing economies. Despite their growing presence in the entrepreneurial ecosystem, women entrepreneurs continue to face substantial barriers in accessing formal financial resources. This study examines the role of microfinance institutions and commercial banks in financing women-owned enterprises, with a particular focus on accessibility, affordability, and effectiveness of financial products designed for women. Drawing on secondary data from global and regional financial reports, academic journals, and institutional databases, the study evaluates the comparative advantages of microfinance and traditional banking channels in meeting the financial needs of women entrepreneurs. The findings reveal that while microfinance has significantly enhanced financial inclusion among low-income women entrepreneurs, commercial banks remain inaccessible to many due to collateral requirements, documentation barriers, and gender biases. The paper highlights the need for gender-responsive financial policies, capacity-building programmes, and institutional reforms to bridge the financing gap. Recommendations are offered for policymakers, financial institutions, and development agencies to foster an enabling environment for women entrepreneurship.