Accion San Diego  is a non-profit microfinance and community development financial institution providing business support services and loans ranging from $300 to $50,000 to entrepreneurs in San Diego County, California.

Accion’s mission is to create economic opportunity for primarily low-to-moderate income business owners who lack access to traditional sources of credit. Through business loans and support services, it strengthens the roots of emerging entrepreneurs and helps them thrive in their communities, creating social and economic change.

Over 90% of the businesses in San Diego qualify as small businesses, and when these local small businesses do well, local jobs are created and communities grow stronger. As small businesses form the backbone of the local community, there is an even greater need for flexible financing options like the one’s offered by Accion San Diego.


Jinny used her $10,000 Kiva loan to keep her sushi restaurant open and growing!

A unique lending approach:

Accion seeks to champion and empower entrepreneurs by giving them the opportunity to achieve their small business dreams.  Each loan officer works personally with clients to get to know their needs and walk side-by-side with them every step of the way, from the initial application through the life of the loan.

Many of the San Diego entrepreneurs Accion serves start out with no credit history, are looking to rebuild their credit, have limited financial footing or are operating businesses like startups and home-based shops to which traditional banks are unlikely to lend. They rely on Accion for the small, more flexible loans that it uniquely provides, and its one-on-one lending approach that considers character and other business strengths in addition to credit history.

Accion’s education-based approach to micro-lending also distinguishes its loan program. The institution conducts monthly small business workshops on marketing, finance, credit, human resources and legal topics. As part of its loan process, it also requires mandatory sessions for clients with business counselors from the Small Business Development Center (SBDC) to review their personal financial and credit educations. These workshops and resources are provided both in-house by Accion San Diego and in collaboration with a strong network of local organizations.

Accion’s impact:

Since its launch in 1994, Accion has provided financing for more than 2,000 San Diego entrepreneurs.  Each of these loans represents a real business owner who is now able to expand their business, provide more for their family, and add jobs to the local economy.  From lobster fishermen to in-home fashion designers, Accion’s clients reflect the community’s rich diversity.  Other figures that reflect the organization’s impact include:

-Over 3,100 loans totaling more than $20 million made since 1994.
-Almost $2.5 million loaned to small business owners in 2013 alone.
-More than 64% of clients are low-to-moderate income (LMI)
-More than 60% of clients are ethnic minorities.
-An active loan portfolio of almost $4 million as of Jan 2014.
-Over 1,000 jobs generated and/or maintained by clients in San Diego every year.

A local organization with a global footprint:

Accion San Diego is a member of the Accion U.S. Network, the largest micro- and small business-lending network in the United States. The network’s five members have collectively made more than 47,700 loans totaling more than $380 million. Globally, Accion is a pioneer in microfinance, reaching millions of individuals through its international network of partners.

Interested in applying for a small business loan or getting more involved?



Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 4, 2012 Oct 12, 2005
Total Loans $984,675 $752,010,600
Amount of raised Inactive loans $0 $640,900
Number of raised Inactive loans 0 1,422
Amount of Paying Back Loans $530,300 $132,047,775
Number of Paying Back Loans 128 154,078
Amount of Ended Loans $454,375 $619,321,925
Number of Ended Loans 81 767,649
Delinquency Rate 5.83% 8.08%
Amount in Arrears $18,921 $6,898,418
Outstanding Portfolio $324,696 $85,391,976
Number of Loans Delinquent 72 23,018
Default Rate 13.25% 1.26%
Amount of Ended Loans Defaulted $60,225 $7,793,859
Amount of Ended Loans $454,375 $619,321,925
Number of Ended Loans Defaulted 18 21,129
Currency Exchange Loss Rate 0.00% 0.33%
Amount of Currency Exchange Loss $0 $2,478,516
Refund Rate 0.00% 0.66%
Amount of Refunded Loans $0 $4,973,325
Number of Refunded Loans 0 5,474

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 60.82% 74.49%
Average Loan Size $4,711 $416
Average Individual Loan Size $4,711 $649
Average Group Loan Size $0 $1,847
Average number of borrowers per group 0 7.9
Average GDP per capita (PPP) in local country $54,800 $5,949
Average Loan Size / GDP per capita (PPP) 8.60% 6.99%
Average Time to Fund a Loan 13.72 days 6.63 days
Average Dollars Raised Per Day Per Loan $343.31 $62.63
  Average Loan Term 29.56 months 10.84 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 21 370,945
  Journaling Rate 30.23% 41.20%
  Average Number of Comments Per Journal 0.00 0.06
  Average Number of Recommendations Per Journal 0.00 1.49

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 18% PY N/A 30.98% PY
  Profitability (return on assets) -5% N/A -1.56%
  Average Loan Size (% of per capita income) 23.90% N/A 19.24%

Country Fast Facts

Field Partner Staff

Suzanne Anderson
Intern ASD
Marketing ASD
Rosalinda Delgado
Nicole Gates
Javier Islas
Nicholas Miluso
Maria Montano
Elizabeth Schott