Access to Capital for Entrepreneurs

This is a financial institution that offers SBA loan programs to help small businesses secure funding for various needs. You can find assistance with loans for working capital, real estate, and equipment, tailored to your business goals.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

Typically, they operate Monday through Friday from 9:00 AM to 5:00 PM, but it's best to call ahead for specific hours.

There may be fees associated with loan processing and closing, which are outlined during the application process and aligned with SBA guidelines.

This lender primarily serves small business owners in the Cleveland, GA area, but eligibility is based on business criteria and creditworthiness.

A minimum credit score of 620 is generally preferred, though other factors are also considered.

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

Most banks keep weekday business hours and are closed on weekends, and Access to Capital for Entrepreneurs 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 Access to Capital for Entrepreneurs to confirm current weekend availability before you go.

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

The core details for Access to Capital for Entrepreneurs — 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 Access to Capital for Entrepreneurs before applying. If you represent Access to Capital for Entrepreneurs, claim this listing to keep its information up to date.

You can reach Access to Capital for Entrepreneurs by phone at (678) 335-5600 or online at aceloans.org — 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 Access to Capital for Entrepreneurs before relying on them.

Based on its approved SBA loans, Access to Capital for Entrepreneurs most often finances businesses in general retail, restaurants & food service, and medical practices & clinics. This reflects Access to Capital for Entrepreneurs'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 Access to Capital for Entrepreneurs 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 Access to Capital for Entrepreneurs participates in SBA Express depends on its specific SBA lending authority. Contact Access to Capital for Entrepreneurs 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. Access to Capital for Entrepreneurs can confirm its current PLP standing — ask before you apply if speed matters to you.

Access to Capital for Entrepreneurs offers South Georgia Start-Up Loans up to $50,000 for businesses registered with the Secretary of State that have a business plan. Confirm with ACE whether your location qualifies and you meet their requirements.

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 Access to Capital for Entrepreneurs 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 Access to Capital for Entrepreneurs 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 Access to Capital for Entrepreneurs 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. Access to Capital for Entrepreneurs weighs this case by case under its own policy, so be upfront about your history and ask Access to Capital for Entrepreneurs how it evaluates prior bankruptcies.