Upper Manhattan Loan Program

Attention Upper Manhattan Residents: You may qualify for a reduced interest rate loan, with annual interest rates as low as 6.99%!

Made possible by a grant from the Upper Manhattan Empowerment Zone (UMEZ), this program is available to individuals and entrepreneurs located in:

The opportunity to build credit - We report to the major credit bureaus.
A personalized application process - We make applying for a loan easy. Your loan consultant will work with you one-on-one to assemble the strongest loan application possible.
Access to free credit and business training - Clients have access to FREE business and credit consulting through OnTRAC, our Training, Resource, and Advising Center.
Excellent customer service - ACCION's Customer Service Team is available to answer your account questions in English, Spanish, and French!

Business Loans from $500 to $50,000 - With a business term loan up to $50,000, New York City (NYC) and New Jersey small business owners can get the loans needed to increase inventory, renovate their businesses, upgrade equipment, and more!
Business Lines of Credit - A revolving line of credit up to $25,000 is a flexible financing solution that lets you borrow the money you need when you need it.
Start-up Small Business Loans - Start-up business loans are designed exclusively for businesses less than six months old. We'll give your SBA or bank loan application a second look!
Individual Loans to Establish and Build Credit - A positive credit history is the key to a successful financial future. Establish your first trade line on your credit report with a credit building loan starting from $500. We report to the major credit bureaus.
Group Loans - Groups comprised of three to five business owners unite to support each other's loans and businesses.

Loan Terms range from 6 to 60 months.