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What We Do

What We Do

We're a mission-driven lender and resource partner delivering accessible capital nationwide. From small business loans to large-scale project finance, we help bring visions to life.

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Small Business Lending

SBA 7(a) Loans

Flexible funding for working capital, equipment, real estate, start-up costs, debt refinance, inventory or expansion

SBA 504 Loans

Fixed-rate financing for real estate or major assets

Microloan Program

Small, flexible loans loans to kickstart or grow your business

View all Small Business Lending Services →

Project Finance

New Market Tax Credits

Financing for projects that drive community development

EB-5 Investment Program

Lower-cost capital for rural manufacturing and industrial projects.

View all Project Finance Services →

Entrepreneurial Education

ACC Capital Foundation

Programs and mentorship for aspiring entrepreneurs

EDGE Summit

Showcase student business ideas and network

YES Competition

Entrepreneurship challenges for younger students

Governor’s Cup

Collegiate business plan and pitch competition

Not sure which program is right for you?

We’ll help match you with the best option.

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For Developers

Bring Your Project Vision to Life

Whether you’re building a manufacturing facility, revitalizing a main‑street hotel or creating a community resource, ACC Capital can help you unlock the capital you need. As a seasoned Community Development Entity and EB‑5 Regional Center, we specialize in financing transformative projects in rural and underserved areas. Our team provides more than money: we offer consultative support, flexible structures and a commitment to delivering impact.

Large Project Financing Solutions

New Markets Tax Credits (NMTC)

Best for: Construction, expansion, or rehabilitation of manufacturing, healthcare, non-profits, healthy foods, education, and other development projects located in qualified census tracts.

Why it works: NMTCs can fill gaps in the capital stack, improve ROI, and can be combined with other incentives including historic and investment tax credits, tax increment financing, and state/local incentives.

Qualifications: Minimum project size of $5 million, located in a low-income community, demonstrates strong low-income community impact through job creation or services to underserved populations, aligns with community priorities, and has both a capable development team and committed partners.

Community Impact: NMTCs address underinvestment in low-income areas characterized by dormant industrial and commercial properties, inadequate community services, and lower property values. Communities gain jobs and improved access to facilities and services, while new construction and rehabilitation improve real estate values, facilitating additional community development.

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$5 million+ Projects

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EB‑5 Visa Capital

Project types:  Pine State Regional Center sponsors manufacturing-related projects located in rural and high unemployment areas.

Why it works: We provide lower-cost subordinated or mezzanine financing from $20M - $200M as a replacement for higher-cost bridge equity or bridge debt.

Qualifications: $50M+ project size; project must create the required number of jobs; have a clear business plan and identified capital stack.

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$50 million+ Projects

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Preparing Your Project – What You’ll Need

To determine whether your project is a fit, be prepared to provide:

Project Overview

A clear narrative describing the concept, location, community need, and intended outcomes.

Financial Documents

Sources and uses with detailed capital stack, term sheets from debt and/or equity providers, pro-forma projections, and financial statements.

Community Impact

Job creation projects with wage/benefit details, commitments to hire unemployed or underemployed individuals, job training, quantified community benefits, and letters of support from elected officials.

Sponsors & Management

Bios and track records of key principals, including past success with similar projects.

Site Control & Approvals

Evidence of site control, zoning status, access to utilities, and necessary permits.

Third‑Party Studies & Documents

Market feasibility or appraisal, environmental assessments, off take agreements, construction budget, construction schedule, GMP contract, and for EB-5, an economic impact report.

Our team offers predevelopment consulting to help you package your project for NMTC or EB‑5 consideration. We’ll also identify potential gaps and recommend strategies to strengthen your proposal.

A Proven Partner Backed by Experience and Trust

Established CDE and Regional Center

ACC Capital has received multiple rounds of NMTC allocation and operates a USCIS‑designated EB‑5 Regional Center.

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Decades of experience

Serving businesses since 1957, we bring deep knowledge of rural markets and community development.

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$1 billion+ deployed

Through various programs, our financing has supported job creation, economic diversification and essential services.

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Strategic relationships

We maintain partnerships with investors, tax credit syndicators, community leaders and other lenders to deliver complete capital stacks.

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From Concept to Closing

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1

Initial Inquiry & Screening

Share your project summary with us. We evaluate location, size, community impact and readiness.

Typical Timeline: 2 weeks

2

Due Diligence & Structuring

We collect detailed financials, impact metrics and sponsor information. Our team models the financing structure, identifies potential investors and secures NMTC allocation or EB‑5 interest.

Typical Timeline: 4-12 weeks

3

Approval & Closing

Legal documents are drafted, investor commitments are finalized and government approvals are obtained. We coordinate with your other lenders and ensure compliance requirements are met.

Typical Timeline: 1-18 months

Ready to Get Started?

Let’s build something extraordinary together. If you’re a developer or project sponsor with a bold idea that will create jobs and strengthen your community, ACC Capital can help you assemble the right financing.

Submit Your Project

Send us your project summary to begin the eligibility review.

Talk to a Project Specialist

Connect with our team to discuss your vision, timeline and capital needs.

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In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity , 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, (202) 622-1160 (phone), (202) 622-0367 (fax), or email crcomplaints@treasury.gov

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In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity , 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, (202) 622-1160 (phone), (202) 622-0367 (fax), or email crcomplaints@treasury.gov