![\"Two](\"https:\/\/acccapital.com\/wp-content\/uploads\/small-biz-1.jpg\" "\\"small-biz-1\\"")
\n\t<\/figure>\n\t\t\t\t\t\tWhat is a Small Business Loan?<\/h2>\t\t\t\t\t\n\t\t\t
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.<\/p>\t\t\n
\n\t\t\tLoans We Offer\t<\/h2>\n\n\t\t\tSBA 7(a) Loans (Nationwide)\t<\/h3>\n\t
The SBA\u202f7(a) program is one of the most versatile and widely used small business loan tools<\/strong> 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.<\/p>\n 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.<\/p>\n Key Features:<\/strong> Long terms, flexible use of proceeds, lower down payment, prepayments only in certain circumstances,\u00a0reduced collateral requirements<\/p>\n $50,000 – $5,000,000<\/p>\n Working Capital, Equipment, Inventory, Commercial Real Estate, Improvements, Refinanced Debt, etc.<\/p>\n\tSolicite un pr\u00e9stamo<\/a>M\u00e1s informaci\u00f3n<\/a>\n The SBA 504 program is built for bigger, longer-term fixed asset investments<\/strong>. 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.<\/p>\n 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.<\/p>\n Key Features:<\/strong> Long-terms, fixed, below market rates, requires a minimum 10 years term<\/p>\n Up to $12M<\/p>\n Real Estate Acquisition or Expansion, Commercial Real Estate, Equipment (heavy) etc.<\/p>\n\tSolicite un pr\u00e9stamo<\/a>M\u00e1s informaci\u00f3n<\/a>\n The ACC Microloan Program is designed to assist small businesses<\/strong> 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.<\/p>\n Key Features:<\/strong> Shorter terms, fully amortizing; competitive rates; no prepayment penalties.<\/p>\n $5,000 – $50,000<\/p>\n Early-stage businesses; basic equipment; startup costs; working capital.<\/p>\n\tGet Started<\/a>M\u00e1s informaci\u00f3n<\/a>\n 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.<\/p>\n Key Features:<\/strong> Long-terms; floating rates; no size restrictions for business type; benefits rural communities.<\/p>\n up to $10M<\/p>\n Rural business acquisition & expansion; equipment; working capital; modernization<\/p>\n\tSolicite un pr\u00e9stamo<\/a>\n Ready to grow? See which loan fits your business and get connected with a qualified lending officer in minutes<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t\n\t\t\t\t\t\t Expand your clients’ opportunities with SBA and alternative lending solutions.<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t\n\t\t\t\t\t\t ACC Capital is your trusted partner for partnering or outsourcing SBA and USDA Guaranteed Lending.<\/p>\t\t\t\t\n\t\t<\/a>\n 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.<\/p>\n Truth: SBA loans are available for businesses at all stages, from new ventures to established companies looking to expand, refinance, or purchase equipment.<\/p>\n Truth: Most for-profit businesses qualify, including retail, service, manufacturing, and wholesale. Only a few industries, like cannabis related or speculative ventures, are excluded.<\/p>\n Truth:\u00a0Most SBA loans take no longer than any commercial, conventional loan.<\/p>\n Business must be for-profit and meet SBA size standards.<\/p>\t\t\n\t\t\t\t\t\t We look beyond just rigid credit scores. We want to hear the story behind you and your business idea.<\/p>\t\t\n\t\t\t\t\t\t Our goal isn’t just profits-it’s job creation, strengthening underserved regions, supporting entrepreneurs who might be denied elsewhere.<\/p>\t\t\n\t\t\t\t\t\t ACC is a Preferred SBA lender; we handle underwriting, funding, servicing – you deal with one partner.<\/p>\t\t\n\t\t\t\t\t\t We don’t like surprises either. Fees, terms, collateral needs are explained clearly and upfront. We help you through the process.<\/p>\t\t\n 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.<\/p>\n\t\t\t\tWhat types of small business loans do you offer, and who qualifies?\n\t\t\t\t\t We offer a range of loans, including SBA 7(a), SBA 504, microlending, and USDA B&I loans. Most for-profit businesses qualify, including retail, service, wholesale, and manufacturing.<\/p>\n\t\t\t\tHow much can I borrow, and what can I use the funds for?\n\t\t\t\t\t Loan amounts range from as little as $5,000 up to $12 million (depending on the program). Funds can be used for equipment, inventory, working capital, commercial real estate, leasehold improvements, business acquisition, debt refinancing, and project-related closing or professional costs.<\/p>\n\t\t\t\tWhat are the loan terms, rates, and fees?\n\t\t\t\t\t Terms vary based on the loan type and purpose, from up to 25 years for real estate to shorter terms for working capital or equipment. Interest rates are competitive and often tied to SBA guidelines. Prepayment penalties may apply for long-term loans, and certain fees (like SBA guarantee fees and closing costs) are rolled into the loan.<\/p>\n\t\t\t\tAre personal guarantees required?\n\t\t\t\t\t Yes. Owners with 20% or more equity in the business generally must personally guarantee the loan. In some cases, spouses or affiliates may also need to provide limited guarantees.<\/p>\n\t\t\t\tHow do I apply, and what documents will I need?\n\t\t\t\t\t You can apply online. Just click apply now above. You will find a complete list of documents in the application section. You’ll need business financial statements, tax returns, a business plan, and other documentation related to your project. We work with borrowers to guide you through each step and streamline the process.<\/p>\n\t\t\t\tHow long does approval take?\n\t\t\t\t\t While timelines vary depending on the program and project complexity, approvals are generally completed within a few weeks after all documentation is provided.\u00a0<\/p>\n\t\t\t\tHow is ACC different from a traditional bank?\n\t\t\t\t\t Unlike traditional banks, ACC takes a mission-driven, flexible approach to lending. We provide patient guidance, consider the broader potential of each business, and offer support beyond just funding-helping entrepreneurs access resources and tools to grow successfully.<\/p>","protected":false},"excerpt":{"rendered":" 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% 25-Year Fixed 6.304% 20-Year Fixed 6.289% 10-Year Fixed 6.313% Fuel your Business Growth with Capital – Built for You […]<\/p>\n","protected":false},"author":8,"featured_media":138501795,"parent":0,"menu_order":15,"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-138500600","page","type-page","status-publish","has-post-thumbnail","entry"],"acf":[],"yoast_head":"\n\n\t\t\tLoan Amount\t<\/h4>\n\t
\n\t\t\tUses\t<\/h4>\n\t
\n\t\t\tPr\u00e9stamos SBA 504\t<\/h3>\n\t
\n\t\t\tLoan Amount\t<\/h4>\n\t
\n\t\t\tUses\t<\/h4>\n\t
\n\t\t\tMicroloan Program (Arkansas, Memphis Metro, Texarkana)\t<\/h3>\n\t
\n\t\t\tLoan Amount\t<\/h4>\n\t
\n\t\t\tUses\t<\/h4>\n\t
\n\t\t\tUSDA B&I\t<\/h3>\n\t
\n\t\t\tLoan Amount\t<\/h4>\n\t
\n\t\t\tUses\t<\/h4>\n\t
\n\t\t\tCon qui\u00e9n trabajamos\t<\/h2>\n\t\t\t\n\t\t\t\t\t\t
Para los prestatarios<\/h3>\t\t\t\t\t\n\t\t\t\t\t
Para los corredores<\/h3>\t\t\t\t\t\n\t\t\t\t\t
For Banks<\/h3>\t\t\t\t\t\n\t\t\t\t\t
\n\t\t\tWhy SBA?\t<\/h2>\n\t
\n\t\t\tMyth 1: SBA loans are only for startups.\t<\/h4>\n\t
\n\t\t\tMyth 2: SBA loans are only for certain industries.\t<\/h4>\n\t
\n\t\t\tMyth 3: Getting SBA Loans are Slow and Complicated.\t<\/h4>\n\t
![\"sba-compressed\"](\"https:\/\/acccapital.com\/wp-content\/uploads\/sba-compressed.jpg\" "\\"sba-compressed\\"")
\n\t<\/figure>\n\n\t\t\tMinimum Requirements for an SBA Loan\t<\/h2>\n\t\t\t\t\t\t
For-Profit Entities<\/h3>\t\t\t\t\t\n\t\t\t
Owner-Operated Businesses<\/h3>\t\t\t\t\t\n\tSolicite un pr\u00e9stamo<\/a>Cont\u00e1ctese con nuestro equipo<\/a>\n
\n\t\t\tSee How ACC Differs from Bank Lenders\t<\/h2>\nNuestro enfoque<\/a>\n\t\t\t\t\t\t
Flexible Underwriting<\/h3>\t\t\t\t\t\n\t\t\t
Mission Driven<\/h3>\t\t\t\t\t\n\t\t\t
Government Guaranteed Expertise<\/h3>\t\t\t\t\t\n\t\t\t
Transparent & Supportive<\/h3>\t\t\t\t\t\n\t\t\t
\n\t\t\tFrequently Asked Questions\t<\/h2>\n\t