At a glance
From its website, read 2 Nov 2026Accessity is a loan fund based in San Diego, California. Its website describes small-business loans. Stated loan amounts run from $300 to $250,000. Business loan rates stated on its site range from 8.99% to 14.99%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | accessity.org |
| Office (official list) | 404 Euclid Ave. Suite # 308, San Diego, CA 92114 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Accessity’s interest rates range from 8.99% – 14.99% for our regular loan program | source |
| Small-business loans | Rate: 8.99%–14.99% | 8.99% – 14.99% fixed, simple interest (1% discount for veterans and active-duty military) | source |
| Small-business loans | Term: 12 mo–4 yr | Terms from 12 – 48 months | source |
| Small-business loans | Term: 12 mo–7 yr | Terms from 12 – 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
We seek to give access to capital for those who may not qualify through traditional financing institutions for reasons such as lack of credit history, collateral, or business operating history.
source - Low or damaged credit considered
Accessity does not have a fixed minimum credit score requirement for all loans.
source - Collateral flexible or not always required
Accessity does not require collateral on loan requests below $50,000
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 404 Euclid Ave. Suite # 308, San Diego, CA 92114 Directions (Google Maps) |
| Website | accessity.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | $300 – $25,000 | From $300 to $25,000 term loans for startup or growing businesses | source |
Loan sizes
Our business loans go up to $250,000 and can be used for business start-ups or expansion.
sourceFrom $300 to $25,000 term loans for startup or growing businesses
sourceFrom $25,001 to $250,000 term loans for startup or growing businesses
source
Range used for the size filter: $300 to $250,000
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY FOR A LOAN
source
Pages read (7)
- https://accessity.org/
- https://accessity.org/faqs/
- https://accessity.org/loans/
- https://accessity.org/faq-items/what-loan-products-does-accessity-offer/
- https://accessity.org/faq-items/does-accessity-lend-to-start-up-businesses/
- https://accessity.org/faq-items/does-accessity-give-lines-of-credit-or-personal-loans/
- https://accessity.org/faq-items/does-accessity-provide-small-business-administration-sba-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$16.3 million in 13 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,350,000 |
| 2022 | CDFI Equitable Recovery Program | $5,887,242 |
| 2021 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
| 2016 | CDFI Program, Financial Assistance | $1,000,000 |
| 2014 | CDFI Program, Financial Assistance | $880,000 |
| 2013 | CDFI Program, Financial Assistance | $747,000 |
| 2012 | CDFI Program, Financial Assistance | $600,000 |
| 2011 | CDFI Program, Financial Assistance | $600,000 |
| 2001 | CDFI Program, Financial Assistance | $800,000 |
| 1998 | CDFI Program, Financial Assistance | $400,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $22.3M |
|---|---|
| Total liabilities | $5.7M |
| Net assets | $16.6M |
| Total revenue | $6.2M |
| Notes and loans receivable, net (Part X line 7) | $16.9M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 33-0620415, filed as “ACCESSITY”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $20.9M | $13.7M | $4.2M | $13.5M |
| Dec 2022 (990) | $20.4M | $15.3M | $5.3M | $14.3M |
| Dec 2023 (990) | $22.3M | $16.6M | $6.2M | $16.9M |
Total assets grew 7% from Dec 2021 to Dec 2023; notes and loans receivable rose 25%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $22.3M | Larger than 60% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
| Business loan rate its website stated (2 Nov 2026) | 8.99% to 14.99% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 1.99 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 60% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in San Diego and California
- Civic Community Partners, Inc.Loan fund · San Diego, CAOfficial list only
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
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