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Small Business Loans

Do you have big dreams for your small business?

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Let’s face it—your sourdough bread start-up isn’t going to fund itself. Fortunately, UMe has the perfect solution: a business loan from our partner, Accion Opportunity Fund (AOF).

What is AOF?

Accion Opportunity Fund is the nation’s leading nonprofit small business lender.

The organization provides small amounts of money to small business owners to pursue their dreams, support their families, and create jobs in their communities.

UMe partnered with AOF based on their award-winning and innovative approach to helping entrepreneurs and communities thrive.

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The Details

Here’s how AOF can help your business:

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Range of loan options

Non-FICO based small business loans from $5,000 – $250,000

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Flexible terms

Terms up to 5 years

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Fast funding

Get your small business loan in 5 to 7 days on average

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Nothing sneaky

No application fee or prepayment penalties


To be eligible to apply, you must meet the following requirements

  • One year in business
  • Minimum FICO: 570
  • Minimum 20% ownership
  • Minimum $50,000 annual revenue

No credit is okay, and collateral preferred but not required.

Only basic documentation is needed, like bank statements and taxes.

Great question! AOF is our partner. You will apply for a loan and, if approved, receive funding through them.

Don’t forget, UMe offers a business checking account packed with sweet perks.

Apply for a Small Business Loan

U can apply for a small business loan with our partners at AOF online, 24/7! If you’d like to speak with someone in person, please contact the AOF Call Center, 7 days a week, from 8AM to 8PM at (888) 720-3215.

Apply nowEmail AOF at


All financing products subject to credit approval. Loans will be made or arranged pursuant to Department of Corporations California Finance Lenders License #6050609. Pricing and terms subject to change.