{"id":138500595,"date":"2025-10-15T14:07:35","date_gmt":"2025-10-15T18:07:35","guid":{"rendered":"https:\/\/acccapital.com\/microlending-arkansas-only\/"},"modified":"2026-07-15T15:22:11","modified_gmt":"2026-07-15T19:22:11","slug":"microloan-program","status":"publish","type":"page","link":"https:\/\/acccapital.com\/es\/small-business-lending\/microloan-program\/","title":{"rendered":"Programa de microcr\u00e9ditos"},"content":{"rendered":"<h1>\n\t\t\tThe ACC Microloan Program\t<\/h1>\n\t<p>Our Microloan Program was created to assist small businesses that are often ignored by traditional banks and lenders, helping them get the financial boost they need to succeed and grow.<\/p>\n\t\t\t<a href=\"https:\/\/technicalassistance.info\/acc-readiness-assessment\"  target=\"_self\">\n\t\t\t\t\t\t\tGet Started\n\t\t\t\t\t<\/a>\n<h2>\n\t\t\tAbout the Program\t<\/h2>\n\t<p>The ACC Microloan Program provides small, term loans to business owners and entrepreneurs who need capital to start or grow their business with fair terms, and no surprise fees.<\/p>\n<h2>\n\t\t\tLearn More About Microloan Funding\t<\/h2>\n\t\t\t\t\t\t<h3>Loan Amounts<\/h3>\t\t\t\t\t\n\t\t\t<p>$5,000 &#8211; $50,000<\/p>\t\t\n\t\t\t\t\t\t<h3>Uses<\/h3>\t\t\t\t\t\n\t\t\t<ul><li>Startup Costs<\/li><li>New or Used Equipment<\/li><li>Advertising<\/li><li>Working Capital<\/li><li>Fees and Permits<\/li><li>Inventory<\/li><\/ul>\t\t\n\t\t\t\t\t\t<h3>Interest<\/h3>\t\t\t\t\t\n\t\t\t<p>Competitive market\u2011based rates<\/p>\t\t\n\t\t\t\t\t\t<h3>Terms<\/h3>\t\t\t\t\t\n\t\t\t<p>Fully amortized up to 5 years<\/p>\t\t\n\t\t\t\t\t\t<h3>Prepayment Penalties<\/h3>\t\t\t\t\t\n\t\t\t<p>None! Pay off early without penalty<\/p>\t\t\n\t\t\t<a href=\"https:\/\/technicalassistance.info\/acc-readiness-assessment\"  target=\"_self\">\n\t\t\t\t\t\t\tGet Started\n\t\t\t\t\t<\/a>\n\t\t\t\t<h1>Technical Assistance Program<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t<p>Along with financial support, every Microloan applicant has access to ACC&#8217;s technical assistance program: business planning help, financial coaching, and guidance to prepare your application and financial projections. This assistance is hands-on, helping you clarify your business structure, refine your budget, and make your microloan work for you.<\/p>\t\t\n\t\t\t\t<a href=\"https:\/\/technicalassistance.info\/acc-technical-assistance\" role=\"button\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t\tGet Business Guidance\n\t\t\t\t\t\t\t\t\t<\/a>\n<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/acccapital.com\/wp-content\/uploads\/technical-assistance-program.jpg\" alt=\"Two people in business attire review and sign a contract agreement at a desk with charts and documents.\" height=\"667\" width=\"1000\" title=\"technical-assistance-program\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n<h2>\n\t\t\tFrequently Asked Questions\t<\/h2>\n\t\t\t<a href=\"https:\/\/technicalassistance.info\/acc-readiness-assessment\"  target=\"_self\">\n\t\t\t\t\t\t\tGet started\n\t\t\t\t\t<\/a>\n\t\t\t\tWhat is a microloan, and do I have to pay it back?\n\t\t\t\t\t<p>A microloan is a traditional principal and interest loan payment made monthly. They are referred to as &#8220;microloans&#8221; because they are smaller in size than what a traditional bank would finance. Microloans must be paid back in full over the term of the loan.<\/p>\n\t\t\t\tWho is eligible for an ACC microloan?\n\t\t\t\t\t<p>Our microloans are available to all for-profit small businesses and entrepreneurs in Arkansas &#8211; including the Texarkana metro, and the Memphis metro area, including north Mississippi. <\/p>\n<p>The program is designed to support businesses that may not meet traditional bank requirements.<\/p>\n\t\t\t\tHow much can I borrow, and what can I use it for?\n\t\t\t\t\t<p>Microloans range from $5,000 up to $50,000. They have many uses, including, but not limited to, start-up costs, equipment, inventory, refinance, and working capital.<\/p>\n\t\t\t\tWhat are the loan terms, interest, and prepayment options?\n\t\t\t\t\t<p>Microloans have a term up to 5 years. Plus, there are no prepayment penalties, so you can pay it off early without fees.<\/p>\n\t\t\t\tWhat kind of support does ACC provide along with the loan?\n\t\t\t\t\t<p>ACC is proud to offer free, technical assistance throughout the loan process. We have coaches that work with you one-on-one to help you with anything from your business plan to your financial statements. We will also check in with you after the loan is closed to make sure everything is going as smoothly as possible for you and your business.\u00a0<\/p>\n\t\t\t\tHow do I apply?\n\t\t\t\t\t<p>You can apply here on our website or give us a call, and we can walk you through it!<\/p>\n<h2>\n\t\t\tContact Us\t<\/h2>\n\t<p>Our financial expertise and guidance is provided with a genuine enthusiasm for our clients&#8217; success. Take the first step to capitalizing on our team&#8217;s products and services, and let us know your financial needs.<\/p>\n\t\t\t<a href=\"https:\/\/acccapital.com\/es\/contact\/\"  target=\"_self\">\n\t\t\t\t\t\t\tcontact our team\n\t\t\t\t\t<\/a>","protected":false},"excerpt":{"rendered":"<p>The ACC Microloan Program Our Microloan Program was created to assist small businesses that are often ignored by traditional banks and lenders, helping them get the financial boost they need to succeed and grow. Get Started About the Program The ACC Microloan Program provides small, term loans to business owners and entrepreneurs who need capital [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":138501795,"parent":138500600,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":["post-138500595","page","type-page","status-publish","has-post-thumbnail","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ACC Microloan Program for Business Owners &amp; Entrepreneurs<\/title>\n<meta name=\"description\" content=\"Our Microloan Program was created to assist small businesses that 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