As a leader in U.S. microfinance, ACCION USA empowers low-to-moderate income(LMI) business owners with access to capital and financial education. With economic opportunity, these entrepreneurs—often minorities and women—can build assets,better provide for their families, and strengthen their communities.

AUSA has lent $119 million since 1991, and is one of the nation's largest microlenders, serving more than 2,000 active borrowers across 46 states.

ACCION USA offers affordable loans from $500 to $50,000 for small business and credit development with an average loan size of $5,100 and interest rates from 8% to 15%.

Our investment in our clients does not end with a loan—we provide free financial

education services to set the foundation for long-term business success.

The extended U.S. ACCION Network has supported 24,300 U.S. small

businesses with $272 million. This network of licensees serving TX, LA, NM, CO, AZ, IL, and CA and our online lending platform provides a national footprint for microloan borrowers.

19,068

$119.5

$6,828

89%

2.4

Loans Made

Total Amount Lent(in millions)

Average Loan Size

Historic Repayment Rate

About ACCION USA

Microloan Need

Nationwide, low- to moderate-income entrepreneurs are unable to access the creditneeded to build sustainable businesses and attain economic self-sufficiency. Thischallenge takes on increased significance during the recession, where unemployment presents a hurdle to full economic recovery.

10 million microbusinesses nationwide cannot access from traditional sources the loans needed to grow their business

Microenterprises (<5 employees) account for approximately 18 percent of employment in the U.S., and create 900,000 jobs a year.

Predatory lenders charge average annual interest rates over 300%—and accounted for over $42 billion in loan volume in 2008.

Data since 1991 inception, as of January 1, 2010

Lending. Supporting. Inspiring.

ACCION USA at a Glance

Jobs created/retained perloan disbursed

Success Story: Margarita Amador

Margarita Amador, owner of Amador HomeImprovements, is dedicated to providingher clients with quality service at a fairprice. Even during the economic downturn, business has been steady.

However, Margarita was experiencing cash-flow difficulties and needed a loan tokeep her business on track. Unable to

borrow from the bank, Margarita

approached ACCION USA, where she qualified for the loan she needed.

"My dream is to be able to provide for

my children's education and to start

another business of my own," saysMargarita. These goals are now within herreach, thanks to the support of AUSA.

www.accionusa.orgACCION USA Headquarters — 115 East 23rd Street, 7th Floor, New York, NY 10010

ACCION USA Impact

According to the most recent MicroTest impact study conducted in partnership withthe Aspen Institute, AUSA loans empower borrowers to:

Create employment opportunity in low- to moderate-income communities: On average, each AUSA small business loan recipient creates 2.4 new jobs.

Create living wages for borrowers and their employees Wages provided by ACCION USA borrowers are 24% higher than the national minimum wage.

Create sustainable businesses: The business survival rate among AUSAclients is 98% for established businesses and 89% for start-up businesses.