Whether you want to open a new restaurant, see your food or beverage sitting on grocery store shelves, or you want to grow an existing food-related business, Accion can provide you with the small business financing your food business needs to thrive and grow.

Accion has been providing small business loans for over 20 years. We specialize in providing affordable financing to entrepreneurs who are working hard to feed themselves and their customers.

Cheryl Smith, owner of Cheryl’s Global Soul Restaurant in Brooklyn, got a small business loan from Accion. She says, “When I needed a loan to start my restaurant and the banks wouldn’t help, Accion believed in my vision and took a chance on me.”

When you need financing to open a new restaurant or update an existing commercial space, it’s more than likely a traditional bank won’t bite. Because restaurants have to invest heavily in equipment and inventory, food businesses are considered risk investments to banks. Regardless, Accion has appetite for financing foodies.

Accion is a non-profit organization that provides funds to individuals and small businesses who are making a difference in their local communities. We also provide the support and encouragement you need to prosper, which is why 97% of our clients are still in business a year after receiving their loans.

Whether you’re looking for funding for a pizzeria or papuseria, a tavern or a taco stand, we encourage you to begin our easy application process so we can provide you with the financial help you need to:

  • buy or lease equipment
  • purchase inventory or supplies
  • rent space or remodel
  • create and execute a marketing campaign
  • hire and train staff
  • secure the licenses and other permits


With an Accion loan, you pay a fair and affordable interest rate with fixed monthly payments, leaving you the cash flow necessary to continue to grow your business.

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.

Starting and running a restaurant is hard enough; getting a loan shouldn’t be even harder. Contact us at 415-636-8200 or read on for more information about how to apply for a loan right now.

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.