ACCION USA is a nonprofit organization that provides microloans and financial education to small business owners and entrepreneurs. It has lent over $122 million to around 3,000 borrowers across 46 states since 1991. The majority of its clients are low-to-moderate income minorities, including 65% Latino and 20% African American owners. ACCION USA fills an important need by providing loans as small as $500 to business owners who may lack collateral or credit history. It helps clients strengthen their businesses, create jobs, and improve their quality of life.