In partnership with
National Restaurant Association
We know how challenging it is to run a restaurant. You shouldn’t have to make the journey alone.
What makes us different
Restaurant financing to fit your needs
We have you covered from carry out heroes, to a fine dining focus, to food truck travelers.
Customized loans and repayment terms
No two businesses are alike, so we structure loans that work for your business, not someone else’s.
We speak your language
We offer 1:1 coaching in English and Spanish to support you when you most need it
Capital to fuel your restaurant growth
Borrow $5K-$250K
No Prepayment Penalties
1-5 Year Terms
Fixed Monthly Payments
Start your application process today!
How to Apply
Do you qualify?
- Minimum 1 year in business
- Minimum $50,000 in annual sales
- Own at least 20% of the business
- Must be at least 18 years or older
Tip for Success: When applying for a loan, it’s recommended that businesses borrow no more than 10-20% of annual revenue to maintain financial health.
Complete an Online Application
Apply for an offer without impacting your credit score. Be prepared to share business revenues and expenses. Pulling numbers from your tax returns can help.
Review Your Options
We’ll share offers you can choose from with different term lengths, monthly repayments, and interest rate options.
Finalize Your Loan
Once you’ve chosen an offer, we’ll ask for final documentation and verification. 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!
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Employee
Ways to use your loan:
- Expand your business
- Hire employees
- Stabilize Cashflow
- Cover payroll
- Relocation
- Buy Equipment
- Purchase inventory
- Buy supplies
- Marketing
- Building improvements
FAQ
- AOF is a nonprofit: Because we don’t exist to make a profit, we use the money from your repayment to support other business owners.
- AOF does not judge by credit score alone: Instead of relying exclusively on credit scores, AOF assesses your business plan, character, background, payment history, and a range of other criteria to determine your creditworthiness.
- AOF provides additional support: In addition to loans and funding, AOF offers support services to small businesses. This can come in the form of business advising, mentoring, and access to networks and resources.
- Loans between $5,000 – $250,000
- Interest rates starting at 8.49%
- Transparent and flexible terms of either 12, 24, 36, or 60 months
- No prepayment penalties
- $50k or more in annual revenue
- One year 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
- Business Tax Return
- Personal Tax Return
- 3 most recent business bank statements or Plaid linked
- Government ID (front and back)
- If loan is $50k or above, UCC Filing will be required
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.
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.
Rates, terms and maximum loan amount may vary according to overall creditworthiness of the applicant,financing product and lender. All business advising, loans and loan servicing are provided exclusively by Accion Opportunity Fund Community Development and its affiliates. Accion Opportunity Fund Community Development and its affiliates are independent third-party companies that are not owned, controlled or operated by, or affiliated with, National Restaurant Association. National Restaurant Association makes no guarantee or endorsement regarding Accion Opportunity Fund Community Development and its affiliates, or their products or services. Accion Opportunity Fund Community Development and its affiliates solely own and manage their products and services on their own behalf and manage all aspects of their customer relationship, including making all credit and underwriting decisions. If you receive a loan from Accion Opportunity Fund Community Development or its affiliates, National Restaurant Association. will not be the lender. © 2024 National Restaurant Association All rights reserved.
© 2025 Accion Opportunity Fund. All rights reserved. Accion Opportunity Fund is a 501 (c)(3) non-profit recognized by the IRS. Tax ID Number: 31-1719434
© 2025 Accion Opportunity Fund Community Development. All rights reserved. California loans made pursuant to a California Financing Law license. Accion Opportunity Fund Community Development business loans are available in 45 states. Loans not available for businesses based in: DC, MT, ND, SD, TN, or VT.
¹ Loans made by Accion Opportunity Fund Community Development. California Finance Lenders license number 6050609.