Top 10 US Microfinance Institutions

Accion Opportunity Fund (AOF) is the largest small business microfinance organization in the US, having deployed $1 billion+ in loans to 75,000+ underserved entrepreneurs since its founding. AOF focuses on Black, Latino, women, and immigrant business owners who face systemic barriers to conventional credit, offering loans from $5,000 to $250,000 plus free business coaching. In 2025, AOF launched a $100 million Racial Equity Fund supported by JPMorgan Chase and Prudential to expand lending in majority-minority communities.

Accion Opportunity Fund

Kiva is the world's leading peer-to-peer microlending platform with $1.8+ billion disbursed to over 4 million borrowers across 77 countries since 2005, including a robust US program serving domestic small businesses and students. Kiva's zero-interest model crowdfunds loans from individual lenders worldwide, with repayment rates consistently above 96%. In 2025-2026, Kiva launched Kiva Capital, a $50 million fund channeling institutional capital into US CDFIs to amplify microfinance lending at scale.

Kiva

LISC has deployed $26+ billion since 1980, making it one of the largest and oldest community development financial institutions in America, supporting affordable housing, small businesses, and community facilities across 2,400+ US cities and rural communities. Its CDFI status enables access to federal funding that LISC multiplies through leverage with private capital. In 2025, LISC's Small Business Relief program distributed $150 million in emergency bridge loans to 15,000+ businesses recovering from pandemic-era revenue losses.

LISC (Local Initiatives Support Corporation)

LiftFund is the largest microfinance organization in the US South and Southwest, having made 96,000+ loans totaling $1.5+ billion to small businesses across Texas, Louisiana, Georgia, and 13 other states since 1994. It specializes in micro-loans from $500 to $1 million for businesses that traditional banks reject, focusing on Latino entrepreneurs, veterans, and rural communities. In 2025-2026, LiftFund partnered with H-E-B, Toyota, and USAA to launch dedicated small business support funds for minority-owned suppliers.

LiftFund

Community Reinvestment Fund USA (CRF) has deployed $1.5+ billion since 1988, pioneering the secondary market for CDFI loans by purchasing and securitizing community development loans from smaller lenders, freeing up capital for additional lending. CRF's Loan Marketplace platform connects small businesses with 100+ CDFI lenders in a single application process. In 2025, CRF administered $300 million in State Small Business Credit Initiative (SSBCI) funds on behalf of seven state governments.

Community Reinvestment Fund USA

Opportunity Finance Network (OFN) is the leading national network of CDFIs, representing 350+ member organizations that collectively manage $80+ billion in assets and serve 17 million+ low-income Americans annually. OFN advocates for federal CDFI Fund appropriations, coordinates disaster relief lending across its network, and publishes the definitive annual CDFI industry report. In 2025, OFN members collectively deployed a record $45 billion in new credit — triple the 2020 figure — fueled by CDFI Fund grants and New Markets Tax Credit allocations.

Opportunity Finance Network

Accion USA was the pioneering US microfinance organization that first adapted the Latin American microfinance model for domestic deployment in 1991, providing small loans to US entrepreneurs excluded from the banking system. After merging with Opportunity Fund to form Accion Opportunity Fund in 2020, its legacy defines the US microfinance sector. Accion USA originated over $500 million in microloans to 65,000+ small businesses, achieving default rates below 7% by investing heavily in client coaching alongside capital.

Accion USA (Historical)

Justine PETERSEN is a St. Louis-based CDFI renowned for its Individual Development Account (IDA) matched-savings programs and microloans that have helped 85,000+ low-income families build assets, buy homes, and start businesses since 1997. It is the only organization in America to offer IDAs, homeownership counseling, microbusiness loans, and credit building programs under one roof. In 2025-2026, Justine PETERSEN's IDA programs were replicated in 12 states through federal Assets for Independence Act grants.

Justine PETERSEN

ImpactAssets is a nonprofit financial services firm managing $3+ billion in donor-advised fund assets, channeling philanthropic capital into microfinance institutions, sustainable agriculture, and social enterprises globally and domestically. Its Giving Fund allows donors to invest in an impact-first portfolio and recommend grants to CDFIs and microfinance organizations. In 2025-2026, ImpactAssets launched the Inclusive Economy Loan Portfolio — a $200 million vehicle investing in US CDFIs serving rural and tribal communities that lack access to mainstream capital.

ImpactAssets

Accion Opportunity Fund (AOF) is the largest small business microfinance organization in the US, having deployed $1 billion+ in loans to 75,000+ underserved entrepreneurs since its founding. AOF focuses on Black, Latino, women, and immigrant business owners who face systemic barriers to conventional credit, offering loans from $5,000 to $250,000 plus free business coaching. In 2025, AOF launched a $100 million Racial Equity Fund supported by JPMorgan Chase and Prudential to expand lending in majority-minority communities.

Accion Opportunity Fund

Kiva is the world's leading peer-to-peer microlending platform with $1.8+ billion disbursed to over 4 million borrowers across 77 countries since 2005, including a robust US program serving domestic small businesses and students. Kiva's zero-interest model crowdfunds loans from individual lenders worldwide, with repayment rates consistently above 96%. In 2025-2026, Kiva launched Kiva Capital, a $50 million fund channeling institutional capital into US CDFIs to amplify microfinance lending at scale.

Kiva

LISC has deployed $26+ billion since 1980, making it one of the largest and oldest community development financial institutions in America, supporting affordable housing, small businesses, and community facilities across 2,400+ US cities and rural communities. Its CDFI status enables access to federal funding that LISC multiplies through leverage with private capital. In 2025, LISC's Small Business Relief program distributed $150 million in emergency bridge loans to 15,000+ businesses recovering from pandemic-era revenue losses.

LISC (Local Initiatives Support Corporation)

LiftFund is the largest microfinance organization in the US South and Southwest, having made 96,000+ loans totaling $1.5+ billion to small businesses across Texas, Louisiana, Georgia, and 13 other states since 1994. It specializes in micro-loans from $500 to $1 million for businesses that traditional banks reject, focusing on Latino entrepreneurs, veterans, and rural communities. In 2025-2026, LiftFund partnered with H-E-B, Toyota, and USAA to launch dedicated small business support funds for minority-owned suppliers.

LiftFund

Community Reinvestment Fund USA (CRF) has deployed $1.5+ billion since 1988, pioneering the secondary market for CDFI loans by purchasing and securitizing community development loans from smaller lenders, freeing up capital for additional lending. CRF's Loan Marketplace platform connects small businesses with 100+ CDFI lenders in a single application process. In 2025, CRF administered $300 million in State Small Business Credit Initiative (SSBCI) funds on behalf of seven state governments.

Community Reinvestment Fund USA

Opportunity Finance Network (OFN) is the leading national network of CDFIs, representing 350+ member organizations that collectively manage $80+ billion in assets and serve 17 million+ low-income Americans annually. OFN advocates for federal CDFI Fund appropriations, coordinates disaster relief lending across its network, and publishes the definitive annual CDFI industry report. In 2025, OFN members collectively deployed a record $45 billion in new credit — triple the 2020 figure — fueled by CDFI Fund grants and New Markets Tax Credit allocations.

Opportunity Finance Network

Accion USA was the pioneering US microfinance organization that first adapted the Latin American microfinance model for domestic deployment in 1991, providing small loans to US entrepreneurs excluded from the banking system. After merging with Opportunity Fund to form Accion Opportunity Fund in 2020, its legacy defines the US microfinance sector. Accion USA originated over $500 million in microloans to 65,000+ small businesses, achieving default rates below 7% by investing heavily in client coaching alongside capital.

Accion USA (Historical)

Justine PETERSEN is a St. Louis-based CDFI renowned for its Individual Development Account (IDA) matched-savings programs and microloans that have helped 85,000+ low-income families build assets, buy homes, and start businesses since 1997. It is the only organization in America to offer IDAs, homeownership counseling, microbusiness loans, and credit building programs under one roof. In 2025-2026, Justine PETERSEN's IDA programs were replicated in 12 states through federal Assets for Independence Act grants.

Justine PETERSEN

ImpactAssets is a nonprofit financial services firm managing $3+ billion in donor-advised fund assets, channeling philanthropic capital into microfinance institutions, sustainable agriculture, and social enterprises globally and domestically. Its Giving Fund allows donors to invest in an impact-first portfolio and recommend grants to CDFIs and microfinance organizations. In 2025-2026, ImpactAssets launched the Inclusive Economy Loan Portfolio — a $200 million vehicle investing in US CDFIs serving rural and tribal communities that lack access to mainstream capital.

ImpactAssets