What is a Small Business Loan?
A small business loan provides funding that helps entrepreneurs start, grow, or stabilize their businesses. These loans can be used for a variety of purposes, from starting a business to purchasing equipment and inventory to expanding into new locations or improving cash flow. Unlike grants, loans are repaid over time, with reasonable interest, making them a flexible tool for managing business needs.
At ACC Capital, we offer a range of small business lending options designed to meet the unique needs of each business. Whether you’re a first-time borrower or an established company, our loans provide the capital, support, and guidance you need to achieve your goals while helping your business thrive in a competitive market.
Loans We Offer
SBA 7(a) Loans (Nationwide)
The SBA 7(a) program is one of the most versatile and widely used small business loan tools in the U.S. It’s partially guaranteed by the U.S. Small Business Administration, which means lenders take on less risk — enabling them to offer favorable terms to qualifying borrowers. ACC Capital, as a Preferred Lender, doesn't have to wait for SBA approval and has the authority to fund these loans nationally.
An SBA 7(a) loan can be used to acquire or improve owner-occupied commercial real estate, start or purchase a business, buy machinery or equipment, purchase inventory, provide working capital, refinance qualified debt or for just about any legitimate business purpose.
Key Features: Long terms, flexible use of proceeds, lower down payment, prepayments only in certain circumstances, reduced collateral requirements
Loan Amount
$50,000 - $5,000,000
Uses
Working Capital, Equipment, Inventory, Commercial Real Estate, Improvements, Refinanced Debt, etc.
Préstamos SBA 504
The SBA 504 program is built for bigger, longer-term fixed asset investments. It’s especially useful for businesses needing to purchase or renovate commercial real estate or acquire large pieces of machinery or equipment with long useful lives.
Supplies permanent long-term financing for the purchase of fixed assets, such as owner-occupied commercial real estate, machinery and equipment, and refinance of qualified debt.
Key Features: Long-terms, fixed, below market rates, requires a minimum 10 years term
Loan Amount
Up to $12M
Uses
Real Estate Acquisition or Expansion, Commercial Real Estate, Equipment (heavy) etc.
Microloan Program (Arkansas, Memphis Metro, Texarkana)
The ACC Microloan Program is designed to assist small businesses that are often ignored by traditional lenders, who also have smaller capital needs. A microloan gives these businesses the boost they need to get started or take the next step.
Key Features: Shorter terms, fully amortizing; competitive rates; no prepayment penalties.
Loan Amount
$5,000 - $50,000
Uses
Early-stage businesses; basic equipment; startup costs; working capital.
USDA B&I
The USDA Business and Industry Loan Guarantee (USDA B&I) product partially guarantees loans made by ACC Capital to businesses to benefit rural areas. The product’s primary purpose is to create and maintain employment and improve the economic and environmental climate in rural areas. These loans are not intended for agricultural uses but for the businesses needed to help a rural town survive and thrive.
Key Features: Long-terms; floating rates; no size restrictions for business type; benefits rural communities.
Loan Amount
up to $10M
Uses
Rural business acquisition & expansion; equipment; working capital; modernization
Why SBA?
SBA-backed loans are designed to help small businesses access capital that might be difficult to secure through traditional financing alone. They provide longer terms, lower down payments, and flexible repayment options, making it easier for businesses to grow and succeed.
Myth 1: SBA loans are only for startups.
Truth: SBA loans are available for businesses at all stages, from new ventures to established companies looking to expand, refinance, or purchase equipment.
Myth 2: SBA loans are only for certain industries.
Truth: Most for-profit businesses qualify, including retail, service, manufacturing, and wholesale. Only a few industries, like cannabis related or speculative ventures, are excluded.
Myth 3: Getting SBA Loans are Slow and Complicated.
Truth: Most SBA loans take no longer than any commercial, conventional loan.
Minimum Requirements for an SBA Loan
For-Profit Entities
Business must be for-profit and meet SBA size standards.
Owner-Operated Businesses
Frequently Asked Questions
SBA loans can seem complex. That’s why we’ve put together an extensive FAQ section, offering insights into everything from eligibility requirements to repayment terms. Consider us as your go-to resource for all things SBA.