From access to outcomes
Real impact needs real measurement.
Our mission is to seek to spread financial wellness in emerging markets through access to responsible credit. We invest in companies that reach underserved populations to create positive impact.
Measuring financial inclusion is not enough. We care about whether access to credit actually improves borrower lives. Through data integrations with each of our lending partners, we capture impact data daily and verify it for accuracy.
2024 Impact Report ↗By the numbers
Eight years of impact data, measured at the loan level.
Source: Accial Capital impact reporting, as of July 2026. Metrics include historical data since inception, including exited investments.
How we measure
Rigorous, technology-driven impact measurement.
We treat impact reporting with the same analytical rigor as credit analytics.
Loan-level data through ORCA
Every dollar we deploy is tracked through ORCA, our proprietary technology.
IRIS+ aligned reporting
Every loan is mapped to recognized impact taxonomies, including IRIS+ metrics tied to the UN Sustainable Development Goals. This makes our impact data comparable across the industry.
AI-powered borrower research
We run ongoing impact surveys with our portfolio companies to measure how access to credit translates into improvements in financial wellbeing and small business growth.
What we work toward
Delivering on the Sustainable Development Goals.
Our impact objectives guide every investment we make.
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.
Memberships & alignments
Industry collaboration & memberships.
The ImpactAssets 50 recognition was provided by ImpactAssets in March 2026. Accial did not provide compensation to obtain or use it.
Voice of the borrower
Impact on end clients, in their own words.
“I have an illness and I can access health services by paying little by little, which gives me peace of mind.”
“With our credit facility, there is a lot of trust — you can talk to them, it is more humanized, they listen to you, they advise you. The loan is with much less interest. It is the complete opposite of a bank.”
“I had no financial experience or credit life, they gave me the credit, it was easy filling all the requirements they asked me and also I was pre-approved to buy both spare parts for the same machine.”
“Thanks to the loan, I was able to get a dental crown and improve my diet.”
“It helped me at the exact moment I needed a loan to cover my family member's medical expenses due to dengue fever.”
“There is no other company or financial institution that provides me with the loan I needed to cover my son's tuition in such a short time.”
“They gave me a hand when I needed it most. Getting that backhoe opened many doors for me. I no longer have to rent equipment, and that has lowered my costs a lot… I'm generating employment in the area.”
“Now I have more work, more contracts, and more peace of mind. I have been able to employ two nephews and that makes me happy, because everything stays in the family. I've also been able to save and I'm even thinking of getting another machine.”
Voices from Accial Capital's 2024 and 2025 Impact Reports. Attribution anonymized to protect client privacy.
Borrowers are not current clients of Accial Capital or investors in any fund managed by Accial Capital. No borrower received cash or non-cash compensation, directly or indirectly, in connection with providing their statements. However, borrowers have received financing from Accial Capital or a fund managed by Accial Capital. Consequently, borrowers may be more inclined to provide a favorable statement in order to preserve or support that lending relationship.
Positive impact · Colombia
Case Study: Finmaq
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 541 small businesses, 35% of which are women-owned (as of December 2025). 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.
Finmaq facility · since December 2024 · data as of December 2025
The full picture is a conversation away.
We're glad to walk through the methodology, the loan-level data, and the outcomes behind these numbers.