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

Why AOF?

We provide fast, personalized support so small business owners of all identities can thrive.

Why we do what we do

Small business owners uplift communities and anchor local economies, but they’re often shut out from traditional financing.

  • 8,000 small business loans are denied every day

    Traditional financing options don’t help small business owners when they need help most

  • XX% people of color


  • 40% of businesses are currently at risk of closing

    The COVID crisis has put strain on hard-working business owners who are giving their all to stay afloat


Our Impact

We are upending racial and gender inequities in the traditional financial sector, and catalyzing change so small business owners of all identities can thrive.


Dollars invested in small businesses

This gives more context and detail


Jobs created and retained


Economic activity

We’re here to support all small business owners

You're not just a number. We recognize that entrepreneurs often struggle to secure capital and resources, as they are shut out from traditional financing. Additionally, for over 25 years, our organization has served a client base that is nearly 90% women, people of color, or immigrants.

Apply for a Loan Or call 1-877-543-1234
Businesses with less than 20 employees
Startups that have outside experience in their industry
Business owners with no or low credit scores
Businesses that only have 50K in annual revenue
Businesses that operate from home

Our lending model

When you repay your loan, we’ll reinvest that money into other small businesses. By taking 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.

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

They got back to me the very next day and said I got funded. I cried, because it felt like someone believed in me.

Shannen Enos Enos CPR

Staying afloat during the pandemic, I wanted to ensure that we had a future.

Deanna Sison Little Skillet

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