COMPARISON
Banked.fyi vs Accion Opportunity Fund
An honest comparison to help you choose the right business funding partner for your needs.
✓ Unbiased Analysis✓ Real User Feedback✓ Updated December 2025
OVERVIEW
At a glance
B
Banked.fyi
RECOMMENDEDA modern business funding marketplace that connects you with 75+ lenders for the best rates and terms. Transparent pricing, fast approvals, and dedicated support.
Highlights
- No hard credit pull to check rates
- Access to 75+ lenders in one application
- Same-day funding available
- Transparent fee structure
- US-based support team
A
Accion Opportunity Fund
Est. 1991Accion Opportunity Fund is a nonprofit CDFI providing microloans and business support to underserved entrepreneurs.
Pros
- Underserved focus
- Reasonable rates
- Business coaching
- No credit minimum
Cons
- Slower process
- Geographic limits
- Lower max amounts
FEATURES
Feature comparison
| Feature | Banked.fyi | Accion Opportunity Fund |
|---|---|---|
Soft Credit Pull to Check Rates See rates without impacting your credit score | ||
Same-Day Funding Get funds deposited the same day you apply | ||
Multiple Lender Options Compare offers from multiple lenders | ||
Bad Credit Accepted Options for credit scores below 600 | ||
No Collateral Required Unsecured funding options available | ||
Transparent Pricing Clear fee structure with no hidden costs | ||
Dedicated Advisor Personal support throughout the process | ||
Maximum Loan Amount Highest available funding | $5,000,000 | $250,000 |
Minimum Credit Score Credit requirements | All credit types | No minimum |
Time in Business Required Minimum operating history | 3 months | 6 months |
APR Range Interest rate range | 7.5% - 45% | 8% - 22% |
Funding Speed How quickly you can get funded | Same day - 7 days | 2-4 weeks |
Rate Competitiveness How competitive are the offered rates | 4.5 | 4.0 |
Application Experience Ease and speed of the application process | 4.5 | 3.0 |
Customer Support Quality Responsiveness and helpfulness of support | 5.0 | 5.0 |
RATINGS
How they compare
Interest Rates
Banked.fyi
4.5
Accion Opportunity Fund
4.0
Funding Speed
Banked.fyi
4.5
Accion Opportunity Fund
3.0
Customer Service
Banked.fyi
5.0
Accion Opportunity Fund
5.0
Flexibility
Banked.fyi
5.0
Accion Opportunity Fund
4.0
Overall Experience
Banked.fyi
4.5
Accion Opportunity Fund
4.0
OUR VERDICT
Both are excellent choices
Accion Opportunity Fund is a strong competitor with underserved focus. However, Banked.fyi's unique marketplace approach means you can potentially access Accion Opportunity Fund AND 74 other lenders through one application, ensuring you find the absolute best deal for your business.
FAQs
Common questions
Is Banked.fyi better than Accion Opportunity Fund?+
Both options have their strengths. Banked.fyi is a lending marketplace that connects you with 75+ lenders, giving you more options to compare. Accion Opportunity Fund is a direct lender with underserved focus. The best choice depends on your specific needs, credit profile, and funding timeline.
What are the main differences between Banked.fyi and Accion Opportunity Fund?+
The key difference is that Banked.fyi provides access to 75+ lenders through one application, while Accion Opportunity Fund offers funding directly. Banked.fyi offers loan amounts up to $5M with funding as fast as 4 hours, while Accion Opportunity Fund offers up to $250,000 with funding in 2-4 weeks.
Which has better rates: Banked.fyi or Accion Opportunity Fund?+
Rates vary based on your business profile, credit score, and loan type. Banked.fyi's marketplace model often helps businesses find more competitive rates by comparing multiple lenders. Accion Opportunity Fund's rates range from 8% to 22%. We recommend checking both to see which offers better terms for your situation.
What credit score do I need for Accion Opportunity Fund?+
Accion Opportunity Fund typically requires a minimum credit score of No minimum. Banked.fyi works with all credit types and can connect you with lenders even if you have bad credit, giving you more options to explore.
How fast can I get funded with Accion Opportunity Fund vs Banked.fyi?+
Accion Opportunity Fund typically funds in 2-4 weeks. With Banked.fyi, depending on the lender match, you can receive funding as fast as 4 hours for certain products, though most loans fund within 1-7 days.
Does Accion Opportunity Fund do a hard credit pull?+
Accion Opportunity Fund may perform a hard credit pull as part of the application process. Banked.fyi never performs a hard credit pull when checking your rates—only when you choose to proceed with a specific lender.