Accion serving Southern California Small Business Loan Products


You’ve reached information for Accion serving Southern California. This office serves Imperial, Riverside, San Bernardino and San Diego counties in California. Please click the ORANGE BUTTON below for the loan product (COVID-19 or Start-up and Expansion Loans) you are interested in applying for:

    COVID-19 RELIEF LOAN Program

    Product Details

    • From $5,500 to $50,000 term loans for COVID-19 impact relief
    • Low, fixed interest rate of 1%* (San Diego County) or 3.99% (Imperial, Riverside and San Bernardino counties)
    • No payments for the first 6 months
    • Terms up to 60 months, including the 6-month deferral
    • Administrative fees waived (State Guaranty fee financed with the loan)

    Click here for more details about how to prepare, FAQs and what documents are needed for the COVID-19 loan. 

    *(1% interest for for-profit businesses located in San Diego County through the San Diego County COVID-19 Small Business & Nonprofit Loan Program. Find out more about the nonprofit program here.)

    COVID-19 Relief Loan Eligibility Requirements

    • Must have been negatively impacted by COVID-19
    • Business located in our COVID-19 relief loan service area listed above
    • Have a current source of income (i.e. business, job, unemployment, spousal income)
    • Business has been in operation prior to August 1, 2019
    • Be current with credit report
    • No bankruptcy discharged within the past 12 months
    • No active business loans with daily or weekly payments
    • Have less than 50 employees
    Click to continue with the COVID-19 Relief Loan Process

    This link will take you to a prescreen form, which will ensure you meet the minimum qualifications to apply. If so, you will then be directed to complete our loan application. It takes approximately 15 minutes to complete.

    If you have questions about Accion's COVID-19 product, fill out the form to the right (or bottom if viewed on mobile) and you'll be connected with a business development officer within one or two business days.


    Product Details

    • From $300 to $100,000 term loans for start up or growing businesses
    • 6.99% - 18.99% fixed, simple interest (1% discount for veterans and active duty military)
    • No prepayment penalties and no application fees
    • Terms from 12 – 72 months
    • Cost are charged only at closing:
      • <$5,000: $95 max on average
      • >$5,000: up to 6% of loan amount
      • *$100 off for veterans, active duty

     Startup and Expansion Loan Eligibility Requirements

    • Live/work in San Diego, Imperial, Riverside or San Bernardino Counties
    • Use the proceeds of the loan for your business.
    • Collateral and a co-borrower may be required.
    • Be at least 18 years of age and demonstrate good character
    • Business must be a legal entity.
    Click to continue with the  Startup/Growth Loan Process

    We highly encourage you to speak with one of our local representatives before applying for this product. Fill out the form below to be connected with a business development officer.

    Please add your contact info.