Accion US Network and Opportunity Fund have teamed up for more impact. Learn More

Small business loans that work for you

We offer loans in a range of sizes through our lending arm Opportunity Fund, as well as educational resources, coaching, and support networks in English and Spanish.

  • Loan amounts: $5,000 - $100,000

    Affordable capital, with transparent terms and no prepayment penalty

  • Interest rates as low a 5.99%

    We can offer you different rates that vary based on which repayment plan you prefer

  • Programs & Coaching

    More than just loans. We provide educational resources, coaching, and access to support networks

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What makes us different

At Accion Opportunity Fund, we do things differently. We’re here to support you, and provide you with the resources your business needs to thrive.

  • A non-profit lender

    Because we don’t exist to make profit, we use the money from your repayment to support other business owners

  • Customized loans and repayment terms

    No two businesses are alike, so we structure loans that work for your business, not someone else’s

  • Support for anyone, no matter your credit score

    You're not just a number. We look at more than just your credit score to determine business viability

Do you qualify?

We do our best to make our services as accessible as possible but do have a few requirements before we can approve your loan. If we can't offer you a loan, we’ll try to refer you to one of our partners or provide other resources.

Apply Today Or call 1-877-543-1234
Must have at least 12 months in business
Your business must generate $50,000 or more in annual sales
You must own at least 20% of the business
You must be at least 18 years or older

Application process

We want to ensure you feel ready and prepared to apply for a loan. Let us walk you through the basic steps we’ll take together so you know what to expect.

  • Step 1: Apply Online

    Get a quote without impacting your credit score. Be prepared to share business revenues and expenses. Pulling numbers from your tax returns can help.

  • Step 2: Review Your Offers

    We’ll share offers you can choose from with different term lengths, monthly repayments, and interest rate options. If we have no options for you we’ll try to refer you to one of our partners or provide other resources.

  • Step 3: Finalize Your Loan

    Once you’ve chosen an offer, we’ll ask for final documentation and verify. We’ll review and come back with a final offer and loan agreement. Upon signing, you’ll get the money you need for your business!

When you repay your loan, we’ll reinvest that money into other small businesses. By repaying out a loan, you not only allow your own business to thrive, but you also help support other small businesses owners in your community and beyond.

The restaurant industry is very tough and I’m glad Accion Opportunity Fund is there for me.

Cynthia Vo Phonomenal and Flipside

The loans gave me the push to do more things with my business. I make my customers happier with the inventory that they're looking for.

Adolfo Ortiz Two Amigos Western Wear

Need other resources?

In addition to loans, we provide personalized business coaching, mentoring, and a comprehensive business resource library where you can find all the information you need.

Apply for a Loan

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