At a glance
From its website, read 29 Oct 2026Accion Opportunity Fund Community Development is a loan fund based in San Jose, California. Its website describes equipment loans, SBA-backed loans and small-business loans. Where it lends: Business loans in 45 states, excluding DC, MT, ND, SD, TN and VT. You can start an application online. It serves borrowers in Spanish.
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 | aofund.org |
| Office (official list) | 111 West St. John Street, Suite 800, San Jose, CA 95113 |
What their website says about applying
2 years of business tax returns and 2 years of personal tax returns
source2–3 years personal tax returns
sourceSubmit your information and we will be in touch
sourceContact Us to Get Started
source
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 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| SBA-backed loans (7(a)/504/Community Advantage) | Term: up to 10 yr | Up to 10 years for working capital (varies by loan type) | 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
- Minimum credit score: 620
FICO >=620 (CA applicants >=590).
source - Business plan required
Business plan (required)
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) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 111 West St. John Street, Suite 800, San Jose, CA 95113 Directions (Google Maps) |
| Website | aofund.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 29 Oct 2026Read from 6 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Equipment loans | — | Truck Financing Go the extra mile with fast, hassle-free truck financing designed to get you on the road quickly and confidently. We provide flexible equipment financing for heavy and medium-duty new or used trucks and … | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Business Acquisition Financing SBA 7(a) Loan | source |
| Small-business loans | — | Financing Small Business Loan | Flexible Funding Options | source |
Loan sizes
With amounts ranging from $100,000-$350,000 and a 10-year term
sourceWith financing up to $350,000
sourceWith financing up to $350,000, flexible deal structuring, and a streamlined decision process
sourceAccessible truck and trailer financing up to $250,000 for new or experienced business owners
source
Service area
Business loans in 45 states, excluding DC, MT, ND, SD, TN and VT
business loans are available in 45 states. Loans not available for businesses based in: DC, MT, ND, SD, TN, or VT.
source
Borrower focus
- Startups
Supporting both start-up and established operators
source
Languages
- Spanish
Get one-on-one business advice and support in English & Spanish
source
Online application
Yes — the site links to an application. With our national online digital application and platform
source
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your equipment loans and SBA-backed loans?
Their website does not state a rate for this. - 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?
Their website describes some application steps (above); ask for the full document list.
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$22.1 million in 20 awards from the U.S. Treasury's CDFI Fund, 1999–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,650,510 |
| 2021 | CDFI Program, Financial Assistance | $690,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $750,000 |
| 2019 | CDFI Program, Financial Assistance | $799,000 |
| 2018 | CDFI Program, Financial Assistance | $975,000 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
| 2015 | CDFI Program, Financial Assistance | $1,653,000 |
| 2014 | CDFI Program, Financial Assistance | $2,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
| 2007 | CDFI Program, Financial Assistance | $960,000 |
| 2006 | CDFI Program, Financial Assistance | $585,000 |
| 2000 | CDFI Program, Financial Assistance | $1,000,000 |
| 2000 | CDFI Program, Technical Assistance | $47,500 |
| 1999 | CDFI Program, Financial Assistance | $1,175,000 |
| 1999 | CDFI Program, Technical Assistance | $42,180 |
New Markets Tax Credit allocations
$643 million in 15 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $85,000,000 |
| 2023 | New Markets Tax Credit allocation | $60,000,000 |
| 2021 | New Markets Tax Credit allocation | $55,000,000 |
| 2020 | New Markets Tax Credit allocation | $55,000,000 |
| 2018 | New Markets Tax Credit allocation | $40,000,000 |
| 2017 | New Markets Tax Credit allocation | $40,000,000 |
| 2016 | New Markets Tax Credit allocation | $55,000,000 |
| 2014 | New Markets Tax Credit allocation | $40,000,000 |
| 2013 | New Markets Tax Credit allocation | $43,000,000 |
| 2012 | New Markets Tax Credit allocation | $30,000,000 |
| 2011 | New Markets Tax Credit allocation | $25,000,000 |
| 2009 | New Markets Tax Credit allocation | $30,000,000 |
| 2008 | New Markets Tax Credit allocation | $35,000,000 |
| 2005 | New Markets Tax Credit allocation | $25,000,000 |
| 2002 | New Markets Tax Credit allocation | $25,000,000 |
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 Jun 2023| Total assets | $228.8M |
|---|---|
| Total liabilities | $156M |
| Net assets | $72.8M |
| Total revenue | $50.5M |
| Notes and loans receivable, net (Part X line 7) | $121.4M |
| Program-related investments (Part X line 13) | $854,811 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 31-1719434, filed as “ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT”), 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 |
|---|---|---|---|---|
| Jun 2021 (990) | $200.5M | $51.8M | $53.6M | $137.3M |
| Jun 2022 (990) | $197.7M | $73.8M | $58.9M | $142.9M |
| Jun 2023 (990) | $228.8M | $72.8M | $50.5M | $121.4M |
Total assets grew 14% from Jun 2021 to Jun 2023; notes and loans receivable fell 12%. 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 |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $200,000 (100 loans) | All 7(a) lenders in California: $270,000. Larger than the median loan of 59% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 3.5 pts, half between 2.25 pts and 3.5 pts (100 loans; 0% at the SBA maximum) | All lenders in California: median 2.75 pts, 14% at the maximum (17,889 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 100 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 19 → 3. |
| Total assets, latest IRS Form 990 | $228.8M | Larger than 89% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 59% |
| Rate over prime | all variable-rate 7(a) loans in California, FY2024–26 | 17,889 | median 3.5 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 19 → 3 of 21 |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 89% |
“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. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 100 SBA-backed approvals for Accion Opportunity Fund Community Development in fiscal years 2020–2026 (October 2019 to September 2026):
- 100 7(a) loans as the lender: $23M in total (gross amount approved), median $200,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 19 · FY2026 81.
What actually happened
- Size of its 7(a) loans: half were between $150,000 and $350,000, median $200,000 (100 loans)
- Term of its 7(a) loans: median 120 months (10 years) (100 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 10.25%, half between 9.00% and 11.00% (100 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (100 loans)
- Young businesses: 6% of its 7(a) loans went to a startup or a business two years old or less (100 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (100, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (14)
- Accommodation and food services (13)
- Professional, scientific, and technical services (10)
- Construction (10)
- Other services (except public administration) (10)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Kings County, NY (5)
- Miami-Dade County, FL (4)
- Orange County, NY (4)
- Tarrant County, TX (3)
- Nassau County, NY (3)
- Fairfax County, VA (3)
- Mecklenburg County, NC (3)
- Midland County, TX (3)
- Los Angeles County, CA (3)
How this lender was matched in the SBA files: SBA lender ID 0607478: same name, state and city (SBA lists “Accion Opportunity Fund Community Development”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Accion Opportunity Fund Community Development may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in San Jose and California
- Excite Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
- Housing Trust Silicon ValleyLoan fund · San Jose, CAAffordable housing development loansVerified
- Mirastar Federal Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- AccessityLoan fund · San Diego, CASmall-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
Work at Accion Opportunity Fund Community Development? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.