We believe impact is not just about issuing loans. We leverage proprietary technology and processes to foster financial wellness.
Committed to widespread financial wellness
Our mission is to spread financial wellness in emerging markets through access to responsible credit. We invest in companies and technology that reach underserved populations to create positive impact.
Rigorous, technology-driven impact measurement
Accial is an industry leader in using technology to measure and report impact. Through an API connection with each of our borrowers, we capture impact data in real time and verify it for accuracy.
Our proprietary technology automatically aligns the data with the IRIS+ standards developed by the Global Impact Investor Network (GIIN). We supplement these metrics by engaging directly with underlying borrowers at scale to deeply understand the real-world impact.
Delivering on the Sustainable Development Goals
Financial Wellbeing:
We believe that financial inclusion – reaching people with loans – is not enough. We focus our investments on companies that create financial resilience: empowering people with financial tools that help them to better manage their finances and improve their livelihoods.
Empowerment of Small Businesses:
We support entrepreneurs and business owners with the capital they need to scale, create jobs, and foster innovation, driving the broader economic development of their communities.
Gender Equality:
We apply gender lens investing strategies to prioritize investments that support the economic empowerment of women, bridging the gender gap in financial access.
Economic Opportunity for All:
We invest in companies that expand access to credit to underserved populations, including low-income individuals, rural areas, and marginalized groups.
Industry Collaboration:
We are proud members of the UN Principles for Responsible Investment, the Global Impact Investing Network (GIIN) and 2X Global. We are committed to upholding the highest standards of impact investing and gender lens investing, and work collaboratively with other leaders in the field to advance the impact investment ecosystem.
Case Study
Accial Capital provides financing to Finmaq, a Colombian fintech that enables small and medium-sized enterprises (SMEs) to acquire productive assets through equipment leasing.
By focusing on machinery and equipment financing, Finmaq supports businesses across construction, manufacturing, agriculture, and logistics. Access to productive assets allows SMEs to expand capacity, improve efficiency, and compete for larger contracts. Since Accial’s investment in December 2024, the facility has financed 345 small businesses, 36% of which are women-owned and 30% located in rural areas. Finmaq estimates that each machine financed generates an average of two new jobs.
One of these businesses is Oxilaminas y Perfiles, a microenterprise based in Bogotá, Colombia, serving the construction and automotive sectors. The company struggled to access traditional bank financing, as approximately 70% of its revenues were cash-based. Through financing from Finmaq, the business acquired key equipment, including bending machines, cutting tables, and a compressor—significantly expanding its production capacity.
As a result, Oxilaminas y Perfiles increased revenues from COP 600 million in 2017 to COP 2 billion today and grew its workforce 3X. With improved equipment and operational capacity, the company was able to diversify its product portfolio and secure larger clients, strengthening its long-term growth trajectory.
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