Getting financing for a small business can be difficult, and according to a study released by the Small Business Administration, securing the capital needed to start or grow a small business can be even tougher for minority-owned businesses and minority entrepreneurs.

Despite that, minority-owned businesses have been growing at twice the national average, and immigrants are nearly twice as likely as native-born Americans to start businesses. Accion is committed to helping minority-owned businesses.

Accion is a nonprofit, community organization dedicated to helping small business owners succeed and thrive. We provide fairly priced, flexible loans to a diverse group of entrepreneurs. In fact, over 60% of our borrowers come from minority communities.

Accion provides loans to minorities in a wide variety of industries including:

  • Childcare
  • Construction
  • Healthcare
  • Manufacturing
  • Restaurants or other food businesses
  • Retail
  • Personal services
  • Plus many other start-up and established business types owned by minorities


Accion can provide the financing and the assistance you need to be successful, such as advice on how to get your minority-owned business certified so that you have more competitive access to contracts. Accion also offers numerous other ways to advance your business, such as support through workshops and online resources.

Accion can provide a loan so you can:

  • Buy or upgrade equipment
  • Purchase supplies
  • Add new health and beauty services
  • Remodel
  • Hire staff
  • Market and promote your businesses to attract new clients


Consider the experience of Felix Vazquez and Nancy Cortina, owners Then-n-Again. Vazquez says, “We found a storefront in our neighborhood but needed money to get the space ready. Accion was willing to give us a $5,000 loan to repair, paint, carpet and move in.”

If you need financing to start or grow your business and your company is:

  • African-American-owned
  • Hispanic-owned
  • Asian-owned
  • Native American-owned
  • Other minority-owned


Contact us at 415-636-8200 or read on for more information about how to apply for a loan right now.

Quick FAQ About Our Loan Process

Q: How long will it take me to complete the loan application?

A: Our loan application can be completed in about 15 minutes.

Q: How much money can I borrow?

A: Loan amounts vary by geography, but range from $300-$1,000,000. Accion’s average loan amount is $10,000.

Q: What if I need help?

A: We’ll give you personalized attention and guide you through each step of the loan process. For loan inquiries, please call 415-636-8200.

Q: How do I figure out if I qualify for a loan?

A: Our requirements are flexible and often make it possible to lend to those who have previously been unable to find financing. Not sure if you qualify? Click here to find out.


Still have questions? Read our full list of FAQs or contact us at 415-636-8200.

Ready to apply? Get started now with our easy online application, and become one of the 97% of our borrowers who are thriving a year after receiving their loans!


Let's Get Started

In just 15 minutes, you can be on your way toward applying for a small business loan. Start by telling us a little about yourself.