Small business loans that work for you
We offer loans in a range of sizes¹ as well as educational resources, coaching, and support networks in English and Spanish. We also support ITIN-only borrowers.
Loan amounts up to
$250,000Affordable capital¹, with transparent terms and no prepayment penalty
Interest rates as low as
8.49%We can offer you different rates that vary based on which repayment plan you prefer
Programs and Coaching
XX+More than just loans –– We also provide educational resources, coaching, and access to support networks
Title of the subproduct section
AOF’s expert business coaches are available to support your business with customized coaching on the most pressing business challenges. If you’re ready to connect with a coach, schedule your first session today.
Do you qualify for a loan?
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.
Must have at least 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
Must have atleast 620+ FICO score
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 ONE
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 TWO
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 THREE
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.
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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 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
GIVING BACK
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, we provide personalized business coaching, mentoring, and a comprehensive business resource library where you can find all the information you need.
FAQs
Common questions about this topic
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Text Blurb about the awards and great result we obtained since 20XX. Lacus, convallis lectus libero, dui. In ut ornare proin urna. Ac dolor massa odio curabitur morbi facilisis turpis proin ultrices.
Text Blurb about the awards and great result we obtained since 20XX. Lacus, convallis lectus libero, dui. In ut ornare proin urna. Ac dolor massa odio curabitur morbi facilisis turpis proin ultrices.
Text Blurb about the awards and great result we obtained since 20XX. Lacus, convallis lectus libero, dui. In ut ornare proin urna. Ac dolor massa odio curabitur morbi facilisis turpis proin ultrices.