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Accion Opportunity Fund Small Business Loans: 2025 Review

Updated Jan 08, 2025
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Accion Opportunity Fund: Bankrate 2025 Award Winner Best CDFI for small business loans

4.1
Rating: 4.1 stars out of 5
Bankrate Score
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Accessibility
Rating: 3.8 stars out of 5
Affordability
Rating: 4.4 stars out of 5
Customer experience
Rating: 4.7 stars out of 5
Transparency
Rating: 5 stars out of 5
Flexibility
Rating: 3 stars out of 5
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Overview

Lender Details

  • Money Bag Icon

    Loan amount

    $5,000-$250,000

  • Rates Icon

    Interest rate

    From 8.49% Simple interest

  • Clock Wait Icon

    Term lengths

    12, 24, 36, or 60 months

  • Dollar Icon

    Min. annual revenue

    $50,000

  • Briefcase Icon

    Min. time in business

    12 months

Pros

  • Checkmark Icon

    Serves minority businesses

  • Checkmark Icon

    Low interest rates

  • Checkmark Icon

    No prepayment penalty

  • Checkmark Icon

    Mentoring and educational support

Cons

  • Term loans only

  • High minimum loan amounts

Rating: 4.1 stars out of 5
4.1

Bankrate Score

  • Loan amount

    $5,000-$250,000

  • Interest rate

    From 8.49% Simple interest

  • Term lengths

    12, 24, 36, or 60 months

  • Min. time in business

    12 months

  • Min. business annual revenue

    $50,000

Rating: 4.4 stars out of 5
4.4

Bankrate Score

  • Loan amount

    $25,000-$5 million

  • Interest rate

    10.50%-14.50% APR

  • Term lengths

    Up to 10 years

  • Min. time in business

    2 years

  • Min. business annual revenue

    $250,000

Rating: 4.5 stars out of 5
4.5

Bankrate Score

  • Loan amount

    $5,000-$1.5 million

  • Interest rate

    Not stated

  • Term lengths

    Up to 18 months

  • Min. time in business

    6 months

  • Min. business annual revenue

    $240,000

Read our review

on Bankrate

Overall Score 4.2
Accessibility 3.2 Qualifying for an Accion Opportunity Fund loan is easier than traditional lenders. But you’re limited to small loans.
Affordability 4.1 This nonprofit’s interest rates stay on the low end compared to other online lenders.
Transparency 5.0 It provides solid information on its website about its loan. But some details are left out, like how long it takes to receive funding.
Customer experience 4.7 You can quickly apply on the website as well as manage your online account. If you have questions, customer service reps are at the phone line.
Flexibility 3.8 Accion Opportunity Fund offers only one loan, but its small business grant opportunity is unique.
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47
years in business
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30+
lenders reviewed
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22
loan features weighed
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770+
data points collected