To all the hard-working small business owners out there: we see you. With an investment from American Express, Accion Opportunity Fund can offer more underserved small businesses access to loans.3 In addition, American Express is providing small businesses like you valuable resources to help you thrive.
Accion Opportunity Fund is a financial support system that provides small business owners with access to capital, networks, and coaching.
Opportunity Fund is our lending arm originating and funding our small business loans.
We are committed to supporting small business owners who are often shut out of affordable financing. We’re helping their businesses thrive.
We have a proven track record of supporting small business owners for over two decades.
Our client base is nearly 90% women, people of color, or immigrants.
We’re committed to getting affordable capital into the hands of small business owners.
Our loans come in a range of sizes and can be applied for online, over the phone, or after you've spoken with one of our business coaches. Please note that Spanish-fluent business coaches are available.
We offer loans from $5,000 to $100,000 with transparent terms of either 12, 24, 36 or 60 months.
No prepayment penalties with interest rates as low as 5.99%. Your rate is dependent upon your credit and financial standing.
We provide more than just loans — we also offer coaching, mentoring, and access to support networks.
Longtime champions of small businesses, American Express is investing $20 million in Accion Opportunity Fund to support our mission of creating a more equitable path to funding.
Once your loan is approved, you’ll receive ongoing updates to help you discover valuable resources from American Express. Get new business insights, expert advice and notifications about upcoming events and offers.
Discover webinars, articles and more with timely insights, tips and inspiration to help your business adapt to changing times
Learn from and connect with industry experts and other small business owners to help enrich your perspective and widen your reach
Explore a collection of offers to help you connect with customers & manage your business
We provide our clients with personalized service as they grow towards sustainability. Our services are available across the nation (with some state restrictions), so that we can reach small businesses regardless of where or who they are.
You can start your application online by using a self-service loan application form. Or if you prefer, call our customer support team to assist you over the phone.
If eligible, you’ll be immediately presented with multiple prequalified offers. Select the offer that works best for you and submit the requested documentation.
Friendly staff will work with you to help you complete the loan application and gather final documents including bank statements and tax returns. Lending staff is available to support you 7 days a week from 8 am – 8 pm (your local time).
Upon approval, funds will be deposited into your bank account.
We do what we can to ensure our services are as accessible as possible, but there are a few eligibility requirements. And if we can't offer you a loan, we may also guide you to other resources that may be able to assist.
Your business must be open for at least 12 months.
Your business must generate $50,000 or more in annual sales.
You must own at least 20% of the business.
We do accept borrowers with low credit scores.
We were turned down by a bunch of lenders. None of them really seemed to understand the growth of our business. It was nice to have somebody interested in my business, who cared about and wanted to work with us, as opposed to just trying to close a loan.Jimmy Orozco
Accion Opportunity Fund is great because of how they handle paperwork and how they handle my business. There was no drama. It was simple. Accion Opportunity Fund has more options and more flexibility than most loan companies.Barbara Sullivan
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. Click below to start your application with Opportunity Fund, or call us if you have any questions.
Loans from $5,000 - $100,000 with transparent terms and no prepayment penalty. Tell us a little about yourself, your business and receive your quote in minutes without impacting your credit score.