Here's what you need to know about our loan requirements

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.


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.