About AOF
Building more together
About us
As a leading national nonprofit small business lender, we provide not only access to affordable loans, but also free business advising, educational resources, and support networks to fuel long-term success. Accion Opportunity Fund (AOF) is more than a lender—we’re a champion for small business owners who are ready to grow, thrive, and build a better future.
We believe in expanding access to economic opportunity by creating pathways to financial and knowledge capital.
How do we do this?
- We provide hands-on support to small business owners across the country, ensuring affordable and responsible access to the resources, capital, and support they need.
- We advocate for policies that create more economic opportunity.
- We invest in nonprofit-operated facilities throughout the U.S. that provide responsible safety net services to low-income communities.
A different kind of lender
During our 30 years, trust, transparency, and impact have been at the heart of everything we do. Unlike traditional lenders, we reinvest your repayments into funding more small businesses, helping to build stronger communities and create lasting change.
What sets us apart is our tech-and-touch approach—blending digital lending and learning platforms with human connection to deliver unmatched support for small business owners. Our data-driven insights help us tailor financing solutions, while our personalized advising and bilingual resources (English and Spanish) ensure that each small business owner gets the hands-on support they need to move forward with confidence.
Building lasting change
Small businesses are the backbone of our economy, and when they succeed, we all succeed. That’s why we are changing the conversation around what’s possible for small business owners.
Through research, innovation, and time-tested business resources, we transform learning into knowledge, and knowledge into action. We equip small business owners with the tools to grow not just today, but for the long run.
Our mission
Our mission is to advance economic mobility for underserved small business owners and communities through affordable financial services, knowledge resources, networks and policy.
We also advocate for inclusive policies on the Hill, conduct original research, and invest in critical infrastructure — from health clinics to youth centers — through our New Markets Tax Credit program.
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We are building more together to provide the guidance, support, and community small businesses owners need to thrive.
30+years of service
We have a proven track record of supporting small business owners for over three decades.
4.5M+clients served across lending and learning
We provide access to capital, education, and personalized support to help our clients thrive.
$1B+invested in small businesses
We’re committed to getting affordable capital into the hands of small business owners.
90%of our clients come from underserved communities
Our client base is over 90% underserved, and/or low-to-moderate income.
Business Loans
Accessible, affordable financing tailored to help your small business grow.
Resources
Free expert advice, tools, and education so you can run and scale your business with confidence.
Community & Research
A powerful network and a strong voice fighting for small business success nationwide.
Partner with Us
Join us in creating opportunities and breaking down barriers for small business owners.
Meet AOF
We are a dedicated group of experts, advocates, and changemakers committed to empowering small business owners and driving economic opportunity and growth.
Careers at AOF
Would you like to spend your workday committed to making a difference in the lives of hard-working small business owners? We offer a collaborative environment where your skills and passion can help drive real impact, nationwide. If you share our commitment, let’s build more economic opportunity together.
I enjoy working at AOF due to the organization’s support in being creative and trying new approaches to solve the challenges that small business owners face. Every day is a new experience–with new funding programs, educational resources, and other initiatives that lead to a great experience.”
Luis Ramos
Manager, Business Advising and Education
