Finance the Equipment Your Restaurant Needs to Grow

• Loans up to $250,000
• Interest rates starting at 9.99%
• Transparent and flexible terms up to 36 months
• No prepayment penalties

Loan terms typically range from 36 to 60 months, with flexible options that may include down payments, progress payments, or buildout financing. Terms are based on the applicant’s qualifications and financing needs.

Qualified applicants can receive up to $250,000 in financing with 3- to 5-year repayment terms and 10%–20% down payment requirements. Terms vary based on qualifications and financing needs.

General Requirement (applies to all financing programs):

• Applicant must be a U.S. citizen or lawful permanent resident.

Small Business Term Loan

• $300k or more in annual revenue
• Two years or more in business
• You own 20% or more of the business
• Located all U.S. states except: MT, ND, SD, TN, VT, D.C

Equipment Financing

• Eligibility is based on your business needs and overall financial profile. Accion Opportunity Fund takes a flexible, mission-driven approach and reviews each application individually. If you’re seeking funding for equipment, working capital, vehicles, or franchise fees, you may qualify. Most applicants receive credit feedback within 24–48 hours.

Mobile Food Financing

• 680+ FICO
• More than one year of industry experience
• Liquidity: 10-20% of project cost + working capital cushion
• No recent bankruptcies or serious delinquencies

For Equipment Financing and Food Truck Financing: Documentation requirements vary based on the requested funding amount.

Up to $100,000

• Completed and signed application
• Four months of business bank statements (all accounts)
• Driver’s license

$100,000–$350,000

• Completed and signed application
• Four months of business bank statements (all accounts)
• Driver’s license
• Two years of financial statements, or two years of reviewed/management-prepared statements with two years full business tax returns
• Current interim financial statements

For Small Business Term Loan: To apply, you’ll need basic information about yourself and your business. As part of the application, you’ll also be asked to securely connect your business bank account so we can review your recent transaction history. Documentation may be requested later based on the information you provide. This could include:

• Business tax returns
• Voided check from your primary bank account

We aim to keep the process simple and transparent. After approval and before funding, we require personal tax returns as part of reporting requirements as a Community Development Financial Institution. Personal tax returns are not used to determine loan eligibility.

For Equipment Financing: You will start by contacting our partnership manager, through submitting this form. The manager will work with you step by step through the process.

For Food Truck Financing: You will start by contacting our partnership manager, Raquel Peralta. The manager will work with you step by step through the process.

For Small Business Term Loan: We’ll give you a quote in just 15 minutes without impacting your credit score. Once offers are presented, you will be able to choose which option works best for you. Offers will have different term lengths, monthly repayment options, and interest rates. See a video here that takes you through the process step by step.

We are very fast to reply to business owners at every step of the process. Someone who is prepared with their documents can get their loan funded within two weeks. 

AOF working capital loans can be used to purchase equipment and inventory, hire new staff, advertise, and grow your business.   

The loan can even be used to refinance expensive debt that was previously taken out. 

At Accion Opportunity Fund, we pride ourselves in going above and beyond for small business owners. We will take into consideration the amount you’ve asked for in your application and, if possible, try to fund the full amount. If we’re unable to do so, we will let you know how much we are able to offer and with what repayment terms. 

Prequalification offers and final approvals are valid for 30 days. We want small business owners to feel comfortable and confident with their loan terms and agreement. Please contact us for clarity or with any questions that might arise while considering the offer. If a prequalified offer or final approval hasn’t been accepted within 30 days, we’ll encourage small business owners to reapply and submit updated documents. 

Unlike many traditional lenders, AOF focuses on affordable lending and flexibility. We offer transparent terms, faster approvals, no hidden fees, and personalized support for underserved entrepreneurs helping small businesses access the capital they need to drive. Discover how AOF supports responsible lending and growth in our Mission & Impact Overview.

In addition to small business loans, we offer several additional services:

Business Resource Library: More than a million people every year leverage our business resource library, with thousands of articles, webinars, and guides in Spanish and English. 

Business advising: Accion Opportunity Fund’s business advising services include business coaching, free mentoring, access to local business networks, and a comprehensive business resource library that includes blog posts, tools, and webinars. 

Free business coaching: Our expert business coaches are here to support you with free coaching sessions that you can sign up for online.