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Accompany Capital business loans review

These generous microloans with low rates are made with immigrant-run businesses in mind.

Bottom line: This community lender offers microloans with the lowest rates out there without credit requirements.


Min. Amount$500
Max. Amount$50,000
Loan Term6 to 36 months
Min. Credit Score350


  • Rates fixed at 3%
  • No application or closing fees
  • No minimum credit score
  • No fixed revenue requirements


  • Might require a guarantor
  • Borrowers must be 21 years old
  • Outdated information about costs on loan application

Accompany Capital business loan rates, fees and terms

All Accompany Capital microloans come with rates fixed at 3% APR — with no application fees, origination fees or prepayment penalties. Loan terms run from 6 to 36 months. And you can borrow between $500 and $50,000. Use our calculator to see how much an Accompany Loan might cost your business each month.

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Accompany also has a pilot program offering loans up to $75,000, though it's unclear if the same rates and terms apply. If you need more than that amount, you can apply for a government-backed SBA loan through Accompany Capital. But rates and fees are higher for this product.

Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Great for SBA loan applicants.

How Accompany Capital compares to other lenders

Here's how Accompany Capital stacks up to other business financing options without hard credit or time in business requirements.


Finder Rating: 4.75 / 5

Check eligibility

Loan amount

$500 to $5,000,000


Starting at 6%

Loan term

12 to 300 months


Operate business in US or Canada, have a business bank account, 560+ personal credit score

Accompany Capital reviews and complaints

Accompany Capital doesn't have any reviews or complaints on sites like Trustpilot or the Better Business Bureau. This is common for lenders that serve a small community, like Accompany Capital.

To get an idea of the kind of service to expect, ask other business owners in your community to see if anyone has used this lender. Or, talk to a local business development center and ask about this lender.

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Compare up to 4 providers

How to qualify

You and your business must meet the following minimum requirements to qualify for a microloan.

  • Located in one of New York City's five boroughs
  • Over 21 years old
  • Positive cash flow
  • No bankruptcies in past 24 months
  • Current on all required licenses to operate

How the application works

Accompany Capital accepts applications online, over the phone and in person at one of its offices. You can apply online by filling out a brief form about your business on the website. After you submit your form, a loan officer should contact you to complete the application.

Accompany Capital doesn't state how long it takes to receive your funds. But you can usually expect it to take a few weeks for a lender of this size. It also doesn't state how repayments work, but typically nonprofits ask for repayment once a month.

What sets it apart

Accompany Capital's 3% APR is lower than what you'll find with most business lenders — including big banks. Its lack of credit score and revenue requirements also open it up to immigrants and small operations that are difficult to fund. And it's one of the few nonprofit microlenders that also allows you to apply online. Most require in-person or phone applications.

Compare more loan options with our guide to funding a startup or our top business loan picks of the year.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Previously known as the Business Center for New Americans, Accompany Capital specializes in financing and building credit profiles for recent immigrants in the New York City area. There are no credit requirements for its microloan program, and all loans come with a fixed rate of 3%. Its maximum loan amount is also five times higher than what you’d find with similar lenders like Kiva.

But you can’t use these funds to get your business off the ground. While there’s no time in business requirement, your business must have positive cashflow. And in some cases, you might need to bring on a guarantor.

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