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Home / Money & Finance / Business Loans / Accion Opportunity Fund
8.7 Tested Aug 19, 2026 by Team RankingRight

Accion Opportunity Fund (Nonprofit CDFI lending) review 2026

A nonprofit lender built for businesses the market underserves — real APRs under 25%, free coaching, and no minimum revenue wall

Accion Opportunity Fund Accion Opportunity Fund
Manufacturer product image from aofund.org, used to illustrate our review of the product; copyright remains with the manufacturer.
PriceFrom $0 · checked Sep 11, 2026
Typical APR8.49–24.99%
Minimum credit score600

Is the Accion Opportunity Fund Worth It?

Best for underserved borrowers. For a borrower who would otherwise be quoted 50% APR by a fast online lender, this is the most important entry on the page. The only cost is waiting a few weeks.

Accion Opportunity Fund Pros & Cons

Pros
  • APRs capped at 24.99% — less than half what the fast online lenders charge for similar borrowers
  • Publishes the full APR range openly, which most non-SBA lenders do not
  • Free business coaching and mentoring alongside the loan
  • Lends to women, minority and immigrant-owned businesses others decline
Cons
  • Two to four weeks, so no use in an emergency
  • Not available in every state
  • Maximum $250,000

Accion Opportunity Fund at a Glance

8.7 Editor Score
True cost of borrowingThe APR, not the factor rate or the "fee" — we converted every offer to an annual rate on the same $100,000 over 24 months, and counted origination, draw and prepayment charges.
26/30
Who can qualifyMinimum credit score, time in business and revenue, and whether a personal guarantee or lien is required.
24/25
Speed & processApplication length, documents required, time to decision and time to funds in our tests of the public process.
10/15
Terms & flexibilityAmounts, term lengths, repayment frequency, and whether paying early saves you money.
14/15
TransparencyWhether rates and fees are published before an application, and how clearly the total repayment is shown.
13/15
Reader ratingNo reader ratings yet — not part of the score
–

Rubric v1: True cost of borrowing 30 · Who can qualify 25 · Speed & process 15 · Terms & flexibility 15 · Transparency 15. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Accion Opportunity Fund — $0

Best priceVisit Site

Accion Opportunity Fund specifications

Typical APR range8.49%–24.99%
Amounts$5,000–$250,000
Minimum credit score600
Minimum annual revenue50000 USD
Minimum time in business12 months
Time to funds2–4 weeks
SBA lenderNo (CDFI)
Publishes ratesYes, full APR range
Personal guaranteePersonal guarantee required

Why it scored 8.7

For a borrower who would otherwise be quoted 50% APR by a fast online lender, this is the most important entry on the page. The only cost is waiting a few weeks.

Where it loses

Speed; state coverage.

Still the right pick for

Newer and underserved businesses that can wait.

What owners say

No reader ratings yet. This block fills in from real submissions only — we never write, buy or generate reader reviews, and none of them touch the editor score.

Accion Opportunity Fund8.7 · $0
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