Small Business Loans: Fast and Flexible - Accion Opportunity Fund
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Loans for small businesses like yours

We offer loans for small business in a range of sizes¹ as well as educational resources, coaching, and support networks in English and Spanish. We also support ITIN-only borrowers.

Smiling entrepreneur holding a tray of chocolates after securing a loan for small business.
  • Loan amounts: $5,000 - $250,000

    Affordable capital¹, with transparent terms and no prepayment penalty

  • Flexible rates starting at 8.49%

    We can offer you different rates that vary based on which repayment plan you prefer

  • Programs and Coaching

    More than just loans for small business –– We also provide educational resources, coaching, and access to support networks

Apply

Do you qualify?

We do our best to make our services as accessible as possible, but we do have a few requirements before we can approve your loan. If we can't offer you a loan, we'll try to refer you to one of our partners or provide other resources.

APPLY FOR A LOAN                                    Or Call 888-720-3215
(Mon to Fri: 8am – 8pm, Sat: 9am – 12pm, your local time)
Must have atleast 12 months in business
Your business must generate $50,000 or more in annual sales
You must own at least 20% of the business
You must be at least 18 years or older

Application process

We want to ensure you feel ready and prepared to apply for a loan. Let us walk you through the basic steps we’ll take together so that you know what to expect.

  • Step 1: Apply Online

    Get a quote without impacting your credit score. Be prepared to share business revenues and expenses. Pulling numbers from your tax returns can help.

  • Step 2: Review Your Offers

    We’ll share offers you can choose from with different term lengths, monthly repayments, and interest rate options. If we have no options for you we’ll try to refer you to one of our partners or provide other resources.

  • Step 3: Finalize Your Loan

    Once you’ve chosen an offer, we’ll ask for final documentation and verify. 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!

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

Group of female business owners discussing their loans for small business needs.

When you repay your loan, we’ll reinvest that money into other small businesses. By repaying a loan, you not only allow your own business to thrive, but also help support other small business owners in your community and beyond.

Adolfo Ortiz, small business owner.

The loans gave me the push to do more things with my business. I make my customers happier with the inventory that they're looking for.

Adolfo Ortiz Two Amigos Western Wear
Cynthia Vo, small business owner.

The restaurant industry is very tough and I’m glad Accion Opportunity Fund is there for me.

Cynthia Vo Phonomenal and Flipside

Need other resources?

In addition to loans for small business, we provide personalized business coaching, mentoring, and a comprehensive business resource library where you can find all the information you need.

Small business owner preparing food

Apply for a Loan

Or call 1-888-720-3215