ACC Capital

This is a financial institution offering SBA loans and small business financing solutions. You can find assistance with loan applications, financial planning, and industry-specific funding options to help your business grow.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.

Typically, the bank operates from 9 AM to 5 PM, Monday through Friday, but it’s best to check directly with the branch for specific hours.

There are no fees to visit or consult at the branch; however, loan processing and application fees may apply depending on the service.

This institution primarily serves small business owners and residents within the Arkansas region, but they welcome inquiries from all qualified applicants.

A minimum personal credit score of 640 is generally preferred, though higher scores improve the chances of approval.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and ACC Capital typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call ACC Capital to confirm current weekend availability before you go.

ACC Capital is located in Arkansas — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for ACC Capital, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by ACC Capital itself, which runs its own lending under its own ownership. If you work at ACC Capital, you can claim this listing from this page to manage it.

The core details for ACC Capital — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with ACC Capital before applying. If you represent ACC Capital, claim this listing to keep its information up to date.

You can reach ACC Capital by phone at (501) 374-9247 or online at arcapital.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with ACC Capital before relying on them.

Based on its approved SBA loans, ACC Capital most often finances businesses in restaurants & food service, manufacturing, general retail, wholesale & distribution, medical practices & clinics, and fitness & recreation. This reflects ACC Capital's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with ACC Capital which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether ACC Capital participates in SBA Express depends on its specific SBA lending authority. Contact ACC Capital and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. ACC Capital can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. ACC Capital's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask ACC Capital directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask ACC Capital what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask ACC Capital to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with ACC Capital to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. ACC Capital weighs this case by case under its own policy, so be upfront about your history and ask ACC Capital how it evaluates prior bankruptcies.