If you're interested in applying for an Accion loan, be sure to read the list below. It can help you determine if Accion is a good fit for you. Questions? Feel free to give us a call before starting your application.

Basic Loan Requirement Criteria:


To qualify for an Accion loan, you'll need to:

  • Be at least 18 years of age.
  • Have a credit score of 550 or higher (600 or higher in Texas). Smaller loans are considered with no previous credit score (no credit history).
  • Exhibit steady cash flow and the ability to support monthly loan payments.
  • Most loans require proof of income and revenue.
  • Most loans require collateral.
  • Additional criteria may apply.


Please note that Accion cannot fund businesses involved in any of the following:

  • Alcohol sales, with the exception of wineries, distilleries, and breweries
  • Tobacco sales
  • Firearms, weapons or ammunition
  • Pornography
  • Predatory lending services
  • Speculative businesses or investments
  • Medical marijuana
If you don’t meet these basic requirements, we encourage you to check back after you've had a chance to strengthen your application.