Business 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. Our business lending options are tailored to meet the unique needs of small businesses, including ITIN-only borrowers.
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Loan amounts: $5,000 - $250,000
Affordable capital¹, with transparent terms and no prepayment penalty
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Flexible rates starting at 8.49%
We can offer you different rates that vary based on which repayment plan you prefer
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Programs and Coaching
More than just loans for small business –– We also provide educational resources, coaching, and access to support networks
Do you qualify?
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.
Time in Business
Minimum 1 year in business
Revenue Generate
Minimum $50,000 in annual sales
Ownership
Own at least 20% of the business
FICO Score
Minimum 600+ FICO SCORE
Loan 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.
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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.
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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.
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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 working with 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.
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We are a non-profit lender
Because we don’t exist to make profit, we use the money from your repayment to support other business owners
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Customized business loans and repayment terms
No two businesses are alike, so we structure loans that work for your business, not someone else’s
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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
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.
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.
The restaurant industry is very tough and I’m glad Accion Opportunity Fund is there for me.
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.
