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Access to Capital for Entrepreneurs logo

Access to Capital for Entrepreneurs

Listed
Direct business lender for term loans and working capital loansCleveland, GeorgiaGeorgia; program eligibility applies.
BBLL 000400Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

ACE provides Georgia businesses with microloans and larger commercial loans, alongside business advice. Its current standard programs require two years of operations.

Direct business lender. Directly funds business financing; products and terms depend on the lender.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Term loansWorking capital loansEquipment financing
General small business
From the lender's own site and public records.

A second look at Access to Capital for Entrepreneurs

ACE provides Georgia businesses with microloans and larger commercial loans, alongside business advice. Its current standard programs require two years of operations.

Nonprofit community lender and certified CDFI.

Published by Levr, not by Access to Capital for Entrepreneurs. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Small Business Microloans

Amount and term
$15,000–$50,000; up to 60 months with monthly principal and interest.
Published cost
7.75% fixed interest, $100 application fee and 3% origination fee.
Security
Business-asset UCC filing; owners with 20% or more must personally guarantee.
Eligibility
Georgia for-profit business operating at least two years, with registrations in good standing.

Provider sources: Small Business Loans

Commercial Loans

Amount and term
$50,001–$1 million; up to 84 months with monthly principal and interest.
Published cost
Starting at 12% fixed; commercial real estate separately advertises as low as prime plus 1.75% fixed.
Fees
$100 application, 2% origination, and $500 each processing and administration on closed loans; outside expenses additional.

Provider sources: Commercial Loans

When it may fit

Our assessment of the published programs

  • Established Georgia businesses comparing monthly-payment financing with coaching.

What to weigh carefully

  • Real estate investment firms, gambling and several other categories are excluded.
  • Commercial loans require collateral and personal guarantees; obtain a complete cost quote.

Questions before you accept an offer

  1. Which current tax years and statements are required?
  2. What will the net proceeds and total repayment be after all fees?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

OnDeck

OnDeck offers a separate online term-loan route for qualifying established businesses.

Fundbox

Fundbox offers revolving credit rather than an ACE amortizing microloan.

The lender

Type
Direct business lender
Legal name
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Founded
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Charter
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Headquarters
Cleveland, Georgia
Service area
Georgia; program eligibility applies.
Meets in person
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Languages
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Program approvals
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Also lends to consumers
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Website
aceloans.org
LinkedIn
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Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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