In partnership with
Capital to Help Your Your Food Business Succeed
We know how challenging it is to run a food and beverage business. You shouldn’t have to make the journey alone.
What makes us different
Fast prequalification process
From carry out heroes, to a fine dining focus, to food truck travelers, we have you covered. Get potential offers in minutes – with no hard credit check
Real humans, real business advisors
Get one-on-one business advice and support in English & Spanish
No prepayment penalty
Pay off loans early with no penalty
Food Truck Financing
- Borrow up to $200K
- Use your loan to cover everything from truck purchase to custom builds
- We work directly with your manufacturer
- Rates starting at 14.5%
- Origination fee at 5.99%
- 20%-30% down payment
- 3-5 Years Terms
- Flexible repayment structure
- Am I eligible?
- 1 year or more industry experience
- Truck model 2005 or newer
Small Business Term Loan
- Borrow up to $250K
- Use your loan to expand your business, hire employees, buy equipment, pay off debt, and more
- Rates starting at 9.99%
- 36 months Terms
- Fixed Monthly Payments
- Am I eligible?
- Minimum 2 years in business
- $300,000+ in annual sales
- 20% or more ownership of business
- Must be at least 18 years or older
The impact AOF will have on our business is very positive because we’re able to invest in inventory for the business.”
Carlos Perez
Meat Town Distributors
FAQ
To apply, you’ll need basic information about yourself and your business. It can be helpful to have last year’s financial information and a recent bank statement at hand. Documentation may be requested later based on the information you provide. This could include:
- Bank statements or Plaid enrollment
- 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 Food Truck Financing: You will start by contacting our partnership manager, Gerardo Campos. He will work with you step by step through the process.
For the Small Business Term Loan: Complete the first step of the application by answering a few questions, and 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.
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 the available repayment terms. As a general guideline, loan amounts typically do not surpass 20% of the business’s annual revenue.
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.
Business resources
Discover everything you need to elevate your business.
With AOF, you don’t just get access to affordable financing. You’ll have expert support at every stage of your journey, along with tools and resources designed to empower small business owners.
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