Accion Opportunity Fund review: Women- and minority-owned businesses
Accion Opportunity Fund is a nonprofit CDFI, and it shows in the pricing: APRs that start in the single digits for borrowers who would pay three times that online. It focuses on underserved owners and pairs loans with free coaching. The catch is modest maximums and a slower, more hands-on process.
Accion Opportunity Fund is best for women- and minority-owned businesses. It offers $5,000 to $250,000 with about a week funding, and requires a 600+ credit score, 12 months in business and $50,000 in annual revenue. Pricing: 8.49% to 24.99% apr.
Accion Opportunity Fund small business term loan details
| Amount | $5,000 to $250,000 |
|---|---|
| Cost | 8.49% to 24.99% APR |
| Term | 12 to 60 months |
| Repayment | Monthly |
| Funding speed | About a week |
| Min credit score | 600 |
| Min time in business | 12 months |
| Min revenue | $50,000 per year |
Pros
- Nonprofit pricing with fixed APRs
- Mission focus on women, minority and low-income owners
- Free business coaching and resources
- Monthly payments
Cons
- Maximum of $250,000
- Slower than online lenders
- Not available in every state
- Requires 12 months in business
Figures verified 2026-11-01. Providers change terms; confirm before applying.
Where Accion Opportunity Fund stands out
The pricing
A CDFI's goal is to lend, not to maximize yield. For a fair-credit borrower the difference versus an online term loan can be thousands of dollars a year.
Where Accion Opportunity Fund falls short
Speed and size
Plan on a week or more, and look elsewhere if you need more than $250,000.
Who qualifies
Requirements
- 600+ personal FICO
- 12+ months in business
- $50,000+ annual revenue
- Available in most but not all states
Consider Accion Opportunity Fund if you
- You qualify as an underserved owner
- You can wait a week or two
- You want coaching with your capital
Alternatives to Accion Opportunity Fund
OnDeck
Term loan · best for short-term expenses
Max amount $250K · Min credit 625
Fora Financial
Term loan · best for bad credit
Max amount $1.5M · Min credit 570
Accion Opportunity Fund appears in: Best Small Business Loans of November 2026, Best Startup Business Loans of November 2026.
Methodology
Accion Opportunity Fund was scored on cost of capital, accessibility, speed, repayment flexibility, transparency and borrower outcomes, the same six factors applied to every business loans product on this site. Read how we rate. We have no commercial relationship with Accion Opportunity Fund.