1. Lending. Supporting. Inspiring.
About ACCION USA
ACCION USA at a Glance
As a leader in U.S. microfinance, ACCION USA empowers low-to-moderate income
(LMI) business owners with access to capital and financial education. With economic
opportunity, these entrepreneurs—often minorities and women—can build assets, 19,301 Loans Made
better provide for their families, and strengthen their communities.
 AUSA has lent $121 million since 1991, and is one of the nation's largest
$121.1 Total Amount Lent
(in millions)
microlenders, serving more than 2,000 active borrowers across 46 states.
$7,195 Current Average Loan Size
 ACCION USA offers affordable loans from $500 to $50,000 for small business
and credit development with an average loan size of $6,800 and interest rates
from 8.99% to 15.99%.
89% Historic Repayment Rate
Jobs created/retained per
 Our investment in our clients does not end with a loan—we provide free financial 2.4 loan disbursed
education services to set the foundation for long-term business success. Data since 1991 inception, as of May 31, 2010
 The extended U.S. ACCION Network has supported 24,600 U.S. small
businesses with $277 million. This network of licensees serving TX, LA, NM,
CO, AZ, IL, and CA and our online lending platform provides a national footprint
for microloan borrowers.
Microloan Need
Nationwide, low- to moderate-income entrepreneurs are unable to access the credit
needed to build sustainable businesses and attain economic self-sufficiency. This
challenge takes on increased significance during the recession, where
unemployment presents a hurdle to full economic recovery.
 10 million microbusinesses nationwide cannot access from traditional sources Success Story: Margarita Amador
the loans needed to grow their business
Margarita Amador, owner of Amador Home
 Microenterprises (<5 employees) account for approximately 18 percent of Improvements, is dedicated to providing
employment in the U.S., and create 900,000 jobs a year. her clients with quality service at a fair
price. Even during the economic
 Predatory lenders charge average annual interest rates over 300%—
downturn, business has been steady.
and accounted for over $42 billion in loan volume in 2008.
However, Margarita was experiencing
cash-flow difficulties and needed a loan to
ACCION USA Impact keep her business on track. Unable to
According to the most recent MicroTest impact study conducted in partnership with borrow from the bank, Margarita
the Aspen Institute, AUSA loans empower borrowers to: approached ACCION USA, where she
qualified for the loan she needed.
 Create employment opportunity in low- to moderate-income communities: On
average, each AUSA small business loan recipient creates 2.4 new jobs. "My dream is to be able to provide for
my children's education and to start
 Create living wages for borrowers and their employees: Wages provided by
another business of my own," says
ACCION USA borrowers are 24% higher than the national minimum wage.
Margarita. These goals are now within her
 Create sustainable businesses: The business survival rate among AUSA reach, thanks to the support of AUSA.
clients is 98% for established businesses and 89% for start-up businesses.
www.accionusa.org
Twitter: @accion_usa Facebook: www.facebook.com/accionusa
ACCION USA Headquarters — 115 East 23rd Street, 7th Floor, New York, NY 10010

2. ACCION USA works with
Looking for a Small small business owners
who do not qualify for
traditional bank loans.
Business Loan? Our basic requirements
put access to capital
within your reach!
ACCION USA Can Help.
ACCION USA is the right fit
for business owners who
 Small business loans up to $50,000 have:
 Start-up loans up to $30,000 (must  A credit score of 575+
have 6+ months in operation)  No bankruptcy in the past
12 months
 Free webinars and online financial
 No late rent or mortgage
& business resources payments in the past 24
months and are up-to-
date on all bills
 No more than $3,000 in
past due debt
 Strong cash flow
Learn more and apply
online at
www.accionusa.org
Apply Today!
1-866-245-0783

3. ¿Está Buscando un Trabajamos con
pequenos empresarios
Préstamo Comercial? que no califican por
préstamos con bancos
tradicionales. ¡Nuestros
¡ACCION USA puede requisitos básicos
permiten que usted
consiga el dinero que
ayudarlo! necesita!
ACCION USA puede
ayudar pequeños
 Préstamos comerciales hasta $50,000 empresarios que tienen:
 Préstamos para nuevos negocios hasta  Un puntaje de crédito de
$30,000 (debe tener más de 6 meses 575+
defuncionamiento )  Ninguna bancarrota en
los últimos 12 meses
 Seminarios por Internet y recursos del
 Ningún pago de alquiler o
negocio y crédito en línea GRATIS hipoteca en mora en los
últimos 24 meses, y
estar al día con los pagos
de sus cuentas
 No más de $3,000 en
deuda atrasada
 Un flujo de caja fuerte
Obtenga más información
y solicite en
www.accionusa.org
¡Solicite Hoy!
1-866-245-0783

4. Small Business Loans
Apply online at www.accionusa.org or call toll free (866) 245-0783
ACCION USA is a nonprofit organization that offers small business loans of up to $50,000 and financial
education to small business owners in the United States. Take your business to the next level with a business
loan or business start-up loan from ACCION USA.
LOAN REQUIREMENTS
OUR LOAN PRODUCTS
ACCION USA is the right fit for
business owners who meet the
Business Loans up to $50,000: for established, following basic requirements:
profitable businesses
Start-Up Loans up to $30,000: for businesses with 6 months in Credit score of 575 or higher
operation, but that are not yet profitable You must own fewer than four
Transition Business Loans up to $30,000: for the purchase of (4) properties
an existing business or a change in business location No bankruptcies in the past 12
months or foreclosures in the past
24 months
RATES, FEES, AND TERMS No late payments on your rent/
mortgage in the past 12 months
Competitive annual interest rates from 8.99% to 15.99% Sufficient cash flow to comfortably
Loan terms up to 60 months support monthly loan payments
No prepayment penalty
Less than $3,000 in past due debt
3-5% closing cost (minimum of $100) and a $30 application fee
will be financed into approved loans If you have an adjustable rate
mortgage, the rate must not adjust
during the term of the loan.
WHY ACCION USA? For start-up and transition loans:
6 or more months in operation
Access to capital: Our basic requirements allow you to get the
money you need to build your business A qualified cosigner may be
required
Opportunity to build credit: We report to all three credit bureaus
A market study and 12
Friendly & personalized service: Your loan consultant will help months of projected financials (or
you one-on-one to apply a business plan) may be required
Free financial education: Workshops and online resources help If the business is not yet
you further build your business and credit profitable, a borrower must have
external income that is fully able
to support the loan
Lending. Supporting. Inspiring.
Additional information available at www.accionusa.org
03/11

5. Préstamos Comerciales
Para solicitar llame al 1-866-245-0783 o viste al www.accionusa.org
ACCION USA es una organización sin fines de lucro que provee préstamos hasta $50,000 y programas de
educación financiera a pequeños comerciantes en los Estados Unidos. El préstamo comercial de ACCION USA le
puede proveer el dinero que necesita para tener éxito con su negocio.
NUESTROS PRÉSTAMOS REQUISITOS BASICOS
Préstamos para negocios de hasta $50,000: para negocios Un puntaje de crédito de 575 o mayor
rentables y establecidos Posee menos de 4 propiedades
Préstamos para negocios nuevos de hasta $30,000: Para Ninguna bancarrota en los últimos
negocios con mas de 6 meses de funcionamiento pero que aún 12 meses o embargo de propriedad
no tienen ganancias en los últimos 24 meses
Préstamos para negocios en transición de hasta $30,000: Debe de estar al día en sus pagos
Para la compra de un negocio ya existente o para un cambio de hipoteca y/o alquiler actualmente
de ubicación del negocio y por los últimos 12 meses
Suficiente flujo de caja como para
realizar cómodamente los pagos
mensuales
TASAS, CUOTAS & PLAZOS Menos de $3,000 en deuda vencida
Tasa de interés competitiva: fija y anual, desde 8.99% -15.99% Si tiene una hipoteca, debe ser una
Plazo hasta 60 meses tasa de interés fija o una hipoteca de
No hay penalidad por prepago tasa ajustable que no cambie durante
Costo de cierre desde 3% hasta 5% (mínimo de $100) el término del préstamo.
y un cargo de solicitud de $30 se incluyen en los Requisitos adicionales para nuevos
pagos mensuales negocios o negocios en transición:
Seis o más meses de funcionamiento
Debe presentar un co-firmante
¿POR QUE ACCION USA? calificado (si es necesario)
Acceso a capital: Nuestros requisitos flexibles permiten que usted Debe proveer un estudio de mercado
consiga el dinero que necesita para alcanzar sus objetivos y 12 meses de pronóstico de finanzas,
o un plan de negocios (si es necesario)
Oportunidad de construir crédito: Reportamos a las tres
agencias de crédito Si su negocio todavía no ha sido
rentable, el solicitante debe tener otra
Servicio amistoso y personalizado: Su asesor de crédito le fuente de ingresos alternativa para
ayudará a completar la solicitud respaldar el préstamo. Si este es el
Educación financiera GRATIS: Talleres y recursos en línea le ingreso de su esposo/a, el/la esposo/a
ayudan a continuar a crecer su negocio y su crédito debe también firmar el préstamo
Préstamos. Apoyo. Inspiración.
Más información disponible en www.accionusa.org
03/11

6. SOLICITUD DE PRÉSTAMO COMERCIAL
***ES REQUERIDO LLENAR TODAS LAS CASILLAS*** Nombre de su asesor(a) de préstamo_________________
1. INFORMACIÓN PERSONAL
Nombre Correo electrónico
Dirección de hogar (Apt.) Ciudad/Estado/Código postal
Teléfono de casa Teléfono celular
Apellido de soltera de su madre Fecha de nacimiento (día/mes/año)
Numero de años dirección actual Numero de personas que viven es su hogar, incluyendo a si mismo _____
Número de Seguro Social/ITIN ¿Ha recibido un préstamo con ACCION USA en el pasado?  Si  No
¿Mejor tiempo para llamar?  mañana  tarde  noche  fines de
¿Como aprendió de ACCION USA?
semana
2. INFORMACIÓN DEL NEGOCIO
Nombre del negocio Teléfono del negocio
Dirección (si es diferente a la de arriba) Ciudad/Estado/Código Postal
Por favor describa brevemente su negocio
¿Hace cuanto tiempo ha estado en operación su negocio teniendo ingresos? Años _______ Meses ________
Actualmente, ¿tiene ganancias en su negocio?  Si  No
¿Cual es la entidad legal de su negocio? Incorporada  LLC  Único dueño  Otro
¿Tiene un socio de negocio?  Si ¿Esta su socio dispuesto a firmar el préstamo?  Si  No
 No
¿Estaría dispuesto a tener los pagos del préstamo descontados  Si Si contestó si, en que semana del mes? ___________
automáticamente de su cuenta bancaria?  No
¿Cuantos empleados tiene incluyéndose a si mismo(a)? Tiempo Completo ________ Tiempo Medio __________
¿Renta una tienda o un almacén para guardar cosas de su negocio?  Si  No
¿Cual es el promedio del balance total de su cuenta bancaria en los 4 últimos meses? $_____________
¿Acepta tarjetas de crédito?  Si  No Si es que si, ¿Cuantas transacciones de tarjetas de crédito procesa por mes? #________
Si es que si, ¿Cual es su total mensual de ventas en tarjetas de crédito? $ _________
3. REFERENCIAS
REFERENCIAS PERSONALES
 Familia  Amigo/a  Otro Nombre Número de teléfono
 Familia  Amigo/a  Otro Nombre Número de teléfono
 Familia  Amigo/a  Otro Nombre Número de teléfono
REFERENCIAS DE SU ARRENDATARIO
Nombre del arrendatario de su hogar Número de teléfono
Nombre del arrendatario de su tienda Número de teléfono
REFERENCIAS DE SU EMPLEADOR (Si es que tiene un trabajo en adición a su negocio)
Nombre del empleador Número de teléfono
Dirección de hogar (Apt.) Ciudad/Estado/Código Postal
Hace cuanto tiempo trabaja en esta empresa? Años _______ Meses _______ ¿Cuantas horas a la semana trabaja en esta empresa? _____
4. PEDIDO DEL PRESTAMO
Por favor haga una lista con los usos de este préstamo y cómo lo ayudarían con en el crecimiento de su empresa
ARTICULO MONTO SOLICITADO
Por ejemplo: Una impresora para aumentar la producción Por ejemplo: $1,000
1. $
2. $
3. $
Monto total del préstamo detallado $
Cuanto prefiere pagar cada mes? $
--SIGUIENTE PAGINA--
rd th
ACCION USA — 115 East 23 Street, 7 Floor, New York, NY 10010 — Phone 1-866-245-0783 — Fax (212) 387-0145 1/11

7. 5. CUESTIONARIO PARA LA SOLICITUD
1. ¿Acaba de iniciar su empresa pero aún no tiene ganancias, se muda, está abriendo un sitio nuevo o comprando una empresa  Si  No
existente? 
Si contestó “SI” a 1a. ¿Puede mostrar todos los documentos con los ingresos de la empresa de estos últimos 6 meses o más?  Si  No
pregunta #1, por 1b. ¿Puede proveer un plan de negocios para su empresa o un estudio de mercado y 12 meses con estados 
favor responda financieros proyectados?  Si  No
#1a a la #1c.
1c. ¿Si su empresa aún no tiene ganancias, puede mostrar una fuente de ingreso externa que cubra las cuotas 
del préstamo? (Si esta fuente de ingreso es del cónyuge, éste debe reunir todos los requisitos y firmar el préstamo).  Si  No
2. ¿Tiene un puntaje de 575 o más en su historial crediticio? (Si no sabe lo que es o nunca ha tenido crédito en los Estados Unidos,  Si  No
seleccione "No sé".)  No Sé
3. ¿Tiene cuentas con pagos atrasados y el total del monto atrasado es mayor a $3,000 dólares? (Considere cuentas atrasadas
 Si  No
como tarjetas de crédito, deudas de servicios de médicos y gravámenes por impuestos no pagados, etc.)
4. ¿Es propietario de 4 o más propiedades?  Si  No
5. ¿Posee una hipoteca?  Si  No
5a. Si es que sí, ¿Tiene su hipoteca una tasa de interés fija?  Si  No
6. ¿Se declaró alguna vez en bancarrota?  Si  No
6a. Si es que sí, ¿Fue su bancarrota anulada o saldada hace mas de 12 meses?  Si  No
7. ¿Lo han embargado o ejecutado su hipoteca en estos últimos 24 meses?  Si  No
8. ¿Ha tenido pagos en su hipoteca o pagos de alquiler atrasados en estos últimos 12 meses? (incluya su vivienda y/o su empresa).  Si  No
9. ¿Esta su empresa relacionada con inversiones inmobiliarias, mercadeo de multinivel, entretenimiento para adultos o armas de fuego?  Si  No
10. Si es requerido, ¿Puede proveer un aval que no esté relacionado con la empresa y que sus ingresos tampoco estén relacionados
 Si  No 
con la empresa?
6. RESUMEN FINANCIERO
INGRESO Y GASTOS DE SU NEGOCIO INGRESO Y GASTOS PERSONALES
------------ INGRESO MENSUAL DE SU NEGOCIO ---------- ------------ INGRESO MENSUAL PERSONAL ----------
Ventas de negocio mensuales $ Sueldo que lleva a casa por su negocio $
Otros ingresos $ Ganancias netas de su segundo trabajo $
TOTAL DE INGRESOS DE NEGOCIOS $ Otras ganancias en su hogar y de esposa/o $
---------- GASTOS MENSUALES DE SU NEGOCIO---------- Ingreso de Seguro Social $
Materiales e inventario- costo de ventas/operación $ Ingreso por discapacidad $
Marketing, y pagos de publicidad, etc. $ Ingreso por pensión/mantención de menores $
Sueldo que lleva a casa por su negocio $ Otro ingreso (describir____________) $
Sueldos de sus empleados $ TOTAL MENSUAL DE INGRESO PERSONAL $
Licencias anual, cargos a su negocio $ ---------- GASTOS PERSONALES MENSUALES ----------
Compra de equipo y mantenimiento $ Utilidades - gas, electricidad, calefacción, agua $
Utilidades - gas, electricidad, calefacción, agua $ Gastos médicos y de salud $
Seguro – vida, salud, propiedad $ Seguro – vida, salud, propiedad $
Teléfono/ celular/ pager $ Teléfono/ celular/ pager $
Auto -Gas, reparaciones, estacionamiento, seguro $ Auto -Gas, reparaciones, estacionamiento, seguro $
seguro
Renta $ Transportación pública $
Impuestos $ Renta $
Otros gastos $ Otros gastos $
Total pago mensual en renta de carros/equipo $ Comida/ropa $
Crédito mensual que debe a su abastecedor $ Educación/libros/materiales $
Otro crédito que debe mensualmente $ Guardería $
Préstamos que debe a familia/amigos cada mes $ Cable TV/entretenimiento $
TOTAL MENSUAL DE GASTOS DE NEGOCIO $ Pensión/mantención de menores $
Dinero que envía a familiares $
Pagos mensuales prestamos/tarjetas de crédito $
TOTAL MENSUAL DE GASTOS PERSONALES $

7. AUTORIZACION PARA LA VERIFICACION DE SU INFORMACION
Entiendo que, basado en mi pleno conocimiento, toda la información incluida en esta solicitud es cierta y correcta. Autorizo a ACCION USA (AUSA) a
realizar un reporte de mi crédito, inmediatamente o en el futuro, incluyendo la obtención de reportes personales y/o comerciales de crédito y de
intercambiar información acerca de experiencia crediticia internamente o con otros acreedores, tal como lo autoriza la ley. También entiendo que esta
solicitud servirá como el primer paso en el proceso de solicitud de préstamo y autorizo a AUSA a investigar y verificar la información proveída
anteriormente en adición a cualquier otra información requerida. También, entiendo que la información dada en esta forma o en mi reporte de crédito
puede ser usada por AUSA para aprobar o negar mi solicitud de préstamo y que AUSA puede guardar esta solicitud independientemente si recibo o no
el préstamo.
FIRMA DEL SOLICITANTE ______________________________________________ FECHA: _____________________
rd th
ACCION USA — 115 East 23 Street, 7 Floor, New York, NY 10010 — Phone 1-866-245-0783 — Fax (212) 387-0145 1/11

8. BUSINESS LOAN APPLICATION
***ALL FIELDS MUST BE FILLED OUT COMPLETELY*** Name of your loan consultant_________________
1. PERSONAL INFORMATION
Full name Email address
Home address (Street, apt. #) City, State, ZIP Code
Home phone Cell phone
Mother’s maiden name Date of birth (month/day/year)
Number of years at current residence Number of people in your household, including yourself
Social Security number/ITIN Have you received a loan from ACCION USA in the past?  Yes  No
How did you hear about ACCION USA? Best time to call:  Morning  Afternoon  Evening  Weekends only
2. BUSINESS INFORMATION
Business name Business phone/fax
Business address (street, unit #) City, State, ZIP Code
Please provide a brief description of your business
How long has your business been in operation AND had revenue? Years _______ Months ________
Is your business currently profitable?  Yes  No
What is the legal entity of your business? Corporation  LLC  Sole proprietorship  Other
Do you have any business partners?  Yes If yes, are your partners willing to sign on the loan?  Yes  No
 No
Would you be willing to have loan payments automatically  Yes If yes, what week of the month? ___________
deducted from your bank account?  No
How many employees do you have, not including yourself? Full time ________ Part time __________
Do you rent or lease a storefront, office, or storage space for your business?  Yes  No
What has your average bank account balance been for the past 4 months? $ __________
Do you accept credit cards? Yes  No If yes, how many credit card transactions do you process per month? # ________
If yes, what are your total monthly credit card sales? $________
3. REFERENCES
PERSONAL REFERENCES
 Family  Friend  Other Name Phone number
 Family  Friend  Other Name Phone number
 Family  Friend  Other Name Phone number
LANDLORD REFERENCES
Name of home landlord Phone number
Name of business landlord Phone number
EMPLOYER REFERENCES (If you have a job in addition to your business)
Name of employer Phone number
Address (street, unit #) City, State, ZIP Code
How long have you worked there? Years________ Months _______ How many hours per week do you work? _______
4. LOAN REQUEST
Please make a list of what you will use your loan for and how it will help your business grow
ITEM AMOUNT REQUESTED
Ex. A printer to increase production Ex. $1,000
1. $
2. $
3. $
Total loan amount requested $
What is your preferred monthly payment? $
--NEXT PAGE--
ACCION USA — 115 East 23rd Street, 7th Floor, New York, NY 10010 — Phone 1-866-245-0783 — Fax (212) 387-0494 1/11

9. 5. APPLICATION QUESTIONNAIRE
1. Is your business a start-up that is not yet profitable, are you changing locations, opening a new location or purchasing an existing
business?
 Yes

 No
1a. Can you show documentation for at least 6 months of business revenue?  Yes  No
If you answered
“YES” to #1, 1b. Can you provide a business plan OR a market study and 12 months of projected financials?  Yes  No
please answer
1c. If your business is not yet profitable, can you provide a source of external income that is fully able to support  Yes  No
#1a. through #1c.
the loan payments? (If this source of income is spousal income, the spouse must qualify and sign on the loan.)
 Yes  No
2. Is your credit score 575 or higher? If you do not know or have never had credit in the U.S., select “Don’t Know.”
 Don’t know
3. If you have any past due bills, does it total more than $3,000? Consider past due bills such as credit cards, medical collections, tax
 Yes  No
liens, etc.
4. Do you own 4 or more properties?  Yes  No
5. Do you have a mortgage?  Yes  No
5a. If yes, is your mortgage a fixed rate mortgage?  Yes  No
6. Have you declared bankruptcy?  Yes  No
6a. If yes, was your bankruptcy discharged or dismissed more than 12 months ago?  Yes  No
7. Have you been in foreclosure in the past 24 months?  Yes  No
8. Have you been late on any mortgage, and/or rent payments in the past 12 months, including both home and business?  Yes  No
9. Does your business involve real estate investment, multi-level marketing, adult entertainment, or firearms?  Yes  No
10. If required, could you provide a cosigner? (Cosigner must not be involved in the business and have an income outside of the
 Yes  No 
business)
6. FINANCIAL SUMMARY
BUSINESS INCOME AND EXPENSES PERSONAL INCOME AND EXPENSES
------------ MONTHLY BUSINESS INCOME ---------- ------------ MONTHLY PERSONAL INCOME ----------
Monthly business sales $ Your take home pay from business $
Other business income $ Income from second job after taxes (net) $
TOTAL MONTHLY BUSINESS INCOME $ Additional household/spousal income (net) $
---------- MONTHLY BUSINESS EXPENSES---------- Social Security income $
Materials and inventory (COGS) $ Disability income $
Marketing, advertising fees, etc. $ Alimony/child support income $
Your take-home pay from business $ Other income (describe ____________) $
Employee salaries $ TOTAL MONTHLY PERSONAL INCOME $
Annual licensing, business fees $ ---------- MONTHLY PERSONAL EXPENSES ----------
Equipment purchase and maintenance $ Utilities - gas, electric, heat, water $
Utilities - gas, electric, heat, water $ Out-of-pocket medical and health expenses $
Insurance - life, health, property $ Insurance - life, health, property $
Telephone/cell/pager $ Telephone/cell/pager $
Auto - Gas, repairs, parking, insurance $ Auto - gas, repairs, insurance $
Rent $ Public transportation $
Taxes $ Rent $
Other $ Other $
Total auto/equipment lease monthly payments $ Food/Clothing $
Supplier credit owed monthly $ Education/books/supplies $
Other business credit owed monthly $ Childcare $
Loans from family/friends owed monthly $ Cable TV/entertainment $
TOTAL MONTHLY BUSINESS EXPENSES $ Alimony/child support $
Money sent to relatives $
Total monthly credit card and loan payments $
TOTAL MONTHLY PERSONAL EXPENSES $

7. AUTHORIZATION FOR VERIFICATION OF INFORMATION: Please read carefully before signing application
I attest that, to the best of my knowledge, all information on this application is true and correct. I authorize ACCION USA (AUSA) to obtain consumer
and/or commercial credit reports, now or in the future, and to exchange this information about credit experience internally and/or with other creditors, as
authorized by law. I also understand that this Application will serve as the first step of my loan application process with AUSA and authorize AUSA to
investigate and verify all of the above information and any additional information that may be requested. I also understand that any and all information
provided to AUSA, including any credit report(s), may be used by AUSA to approve or decline my request and that AUSA will keep this application
whether or not I receive a loan.
APPLICANT SIGNATURE ______________________________________________ DATE: _____________________
ACCION USA — 115 East 23rd Street, 7th Floor, New York, NY 10010 — Phone 1-866-245-0783 — Fax (212) 387-0494 1/11

10. SURVIVE
& THRIVE
LEARN HOW TO NAVIGATE YOUR BUSINESS THROUGH
THE ECONOMIC DOWNTURN WITH ACCION USA
>> Free Online Workshops: Taught in English and Spanish,
free one-hour online courses teach credit, cash-flow
management, and creative marketing strategies.
>> Free Community Workshops: ACCION USA’s experts teach
you the best business survival strategies in a slow
economy. Available in both English and Spanish.
>> Coaching Events: Local experts provide one-on-one
counseling on a variety of small business topics.
>> Learn Online: Visit www.accionusa.org/financialeducation
for “Survive and Thrive” educational materials available
for download.
Register for upcoming workshops & events at
www.accionusa.org/workshops

11. SOBREVIVA
y PROSPERE
APRENDA COMO NAVEGAR SU NEGOCIO EN ESTA
RECESIÓN ECONÓMICA CON ACCION USA
>> Talleres Gratuitos en Línea: En una hora el taller se centrará en
temas como Crédito, Flujo de Caja y Creativas Estrategias
de Marketing.
>> Talleres Comunitarios Gratuitos: ACCION USA es experta
en enseñarle las mejores estrategias para que su negocio
prospere en está crisis económica.
>> Eventos de Capacitación: Expertos locales proporcionan
uno-a-uno el asesoramiento sobre diversos temas para
la pequeña empresa.
>> Aprenda en línea: Visite nuestro sitio en el internet
www.accionusa.org/educacionfinanciera para "sobrevivir y
prosperar." Materiales educativos disponibles para su
descarga.
Regístrese para los próximos talleres y
eventos en www.accionusa.org/seminarios

12. SURVIVE
& THRIVE
LEARN HOW TO NAVIGATE YOUR BUSINESS THROUGH
THE ECONOMIC DOWNTURN WITH ACCION USA
>> Free Online Workshops: Taught in English and Spanish,
free one-hour online courses teach credit, cash-flow
management, and creative marketing strategies.
>> Free Community Workshops: ACCION USA’s experts teach
you the best business survival strategies in a slow
economy. Available in both English and Spanish.
>> Coaching Events: Local experts provide one-on-one
counseling on a variety of small business topics.
>> Learn Online: Visit www.accionusa.org/financialeducation
for “Survive and Thrive” educational materials available
for download.
Register for upcoming workshops & events at
www.accionusa.org/workshops

13. Frequently Asked Questions: what makes a strong referral?
These “frequently asked questions” sheet gives an in-depth look at the criteria we use to
qualify clients. Together with the “loan questionnaire”, this FAQ guide should allow you
to see if your clients fit our profile and are considered a strong referral. Save time by
reviewing this sheet before referring clients to us. If you have any questions regarding
loan criteria, feel free to e-mail one of our loan officers at loans@accionusa.org
CREDIT
• ACCION USA does lend to individuals with a Zero FICO Score or business owners
with no personal credit.
• What’s important is a healthy credit profile including: 1) relatively low balances (not
already overextended), 2) healthy percentage of available credit, especially for start
up businesses, and 3) open accounts that are current.
• Credit issues that will disqualify borrowers:
A FICO score below 575
Lateness in the last 12 months on Rent or Mortgage
Currently past due on child support.
More than $3,000 in unpaid judgments, collections, liens, charge-offs, medical,
etc.
Bankruptcy within the last 12 months.
Property foreclosure within the last 2 years.
More than 3 properties
Adjustable Rate Mortgages (ARM) adjusting during the term of the loan or Pick-
a-Payment or Negative Amortization loans
LOAN PURPOSE
• ACCION USA makes loans for business purposes. We look for well-defined,
detailed loan requests that will help increase business operations and profits. We look
for:
Detailed list of expenditures, preferably with highest priority first.
Contributes to the positive growth of business.
• Ineligible purposes include:
Down payments on any real estate or closing costs on property.
Consolidation of personal credit card debt.
CASH FLOW
• One of the key components ACCION USA analyzes is the cash flow of a business
and household to determine the client’s ability to repay the loan requested.
• Our loan officers will work with clients to:
ACCION USA – 56 Roland St., Suite 300 Boston, MA 02129
Phone: (866) 245-0783 Fax: (877) 787-2574 www.accionusa.org

14. Examine sales versus expenses in order to demonstrate capacity to repay loan.
Review business and personal bank statements, internal records and/or tax returns.
Please note that start-ups must present 12-months of financial projections and a
business plan, and have an additional source of income.
INDUSTRIES
• Ineligible industries:
Other Lenders; non-profit organizations (unless they have a source of consistent
revenue that is not dependent on grants); adult entertainment or fire arms; real
estate related industries such as: Mortgage brokers, Title agencies, apartment
management companies; stock market or gambling businesses; Pyramid or Multi-
level marketing schemes.
• Considered higher-risk industries, but may be considered:
General Contractors;
Transportation;
Manufacturers,
Arts;
Import/Export
COSIGNER/GUARANTEE
• Co-signers are used to secure a loan. ACCION USA will inform a client if his/her
application requires a co-signer.
• All CO-SIGNERS MUST:
• Complete application and sign loan documents
• Be at least 21 years old
• Have stable employment with verifiable income
• Have solid credit history
ACCION USA – 56 Roland St., Suite 300 Boston, MA 02129
Phone: (866) 245-0783 Fax: (877) 787-2574 www.accionusa.org

15. Top 10
Creative ways to help find Microentrepreneurs in need of Capital
Take a look at some of the creative ways that ACCION USA loan
consultants find New clients.
1. “I breathe AUSA 24/7. I talk about ACCION USA every time I have an
opportunity for example every time I visit my barbershop.”
2. “I even talk about ACCION USA at playground when I am with my
children.”
3. Join Social network clubs: “I am a member of couple of online groups that
are local. I network about ACCION USA at www.meetup.com.”
4. “I give my business card to taxi drivers.”
5. www.eventbrite.com shows events coming up in your area!
Microentrepreneurs are often at some events.
6. “I give my business card out at my favorite neighborhood restaurant where
I eat at least once a week.”
7. “I gave my card to a new business owner at a Laundromat around the
corner from my apartment – he then gave it to a friend of his… the client
called – we’re collecting documents now!”
8. Check out the Church community bulletin board.
9. “I block walked hair salons in Washington heights”
10. “I think our favorite local bakeries, restaurants, gift shops etc. are
awesome ways to get clients because most likely they already know who
you are and can trust you.”
ACCION USA 115 East 23rd Street, 7th Floor, New York, NY 10010 (t) 212-387-0377 (f) 212-387-0277 www.accionusa.org