At a glance
From its website, read 2 Nov 2026Access to Capital for Entrepreneurs, Inc. is a loan fund based in Cleveland, Georgia. Its website describes commercial real estate loans, microloans and small-business loans. Stated loan amounts run from $15,000 to $1M. Where it lends: All 159 Georgia counties. Business loan rates stated on its site range from 7.75% to 12%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (678) 335-5600 source |
|---|---|
| info@aceloans.org source | |
| Apply online | Page with the application link |
| Website | www.aceloans.org |
| Office (official list) | 3173 Highway 129 North, Cleveland, GA 30528 |
What their website says about applying
We’ll start with a few questions to see if you qualify.
sourceEligible applicants will be asked to provide the required documentation to ACE once an application is submitted.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Microloans | Rate: 7.75% | 7.75% Fixed | source |
| Small-business loans | Rate: from 12% | Starting at 12.00% Fixed (rates may vary based on credit qualifications) | source |
| Microloans | Term: up to 5 yr | Up to 60-months (Monthly P&I) | source |
| Small-business loans | Term: up to 7 yr | Up to 84-months (Monthly P&I) | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum time in business: 2 years
Businesses 2+ years in operation
source - Collateral required
ACE requires adequate collateral for the amount you are borrowing.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 3173 Highway 129 North, Cleveland, GA 30528 Directions (Google Maps) |
| Website | www.aceloans.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | (As low as prime + 1.75% fixed for Commercial Real Estate only) | source |
| Microloans | $15,000 – $50,000 | Microloans $15,000 to $50,000 Available for All Georgia Businesses | source |
| Small-business loans | $50,001 – $1M | Business Loans $50,001 to $1,000,000 | source |
Loan sizes
Up to $50,000 (minimum loan amount $15,000)
sourceUp to $1,000,000 (minimum loan amount $50,001)
sourceLoans from $15,000 – $1,000,000
source
Range used for the size filter: $15,000 to $1M
Service area
All 159 Georgia counties
and now serves business owners in all 159 Georgia counties.
source
Statewide: Georgia
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start Applying Online
source
Pages read (7)
- https://aceloans.org/
- https://aceloans.org/apply-for-a-loan/
- https://aceloans.org/apply-for-a-loan/commercial-loans/
- https://aceloans.org/apply-for-a-loan/getting-loan-ready/
- https://aceloans.org/apply-for-a-loan/small-business-loans/
- https://aceloans.org/ace-proudly-celebrates-dual-milestone-25-years-of-growing-georgia-businesses-and-deploying-250-million-in-loans/
- https://aceloans.org/ace-access-to-capital-for-entrepreneurs-collaborates-with-starbucks-and-atlanta-to-empower-small-businesses-in-atlanta-market/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$12.6 million in 13 awards from the U.S. Treasury's CDFI Fund, 2004–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $620,000 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2018 | CDFI Program, Financial Assistance | $800,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2016 | CDFI Program, Financial Assistance | $1,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2011 | CDFI Program, Financial Assistance | $500,000 |
| 2008 | CDFI Program, Financial Assistance | $518,781 |
| 2004 | CDFI Program, Financial Assistance | $262,900 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $121.2M |
|---|---|
| Total liabilities | $67.6M |
| Net assets | $53.6M |
| Total revenue | $27M |
| Notes and loans receivable, net (Part X line 7) | $66.9M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 58-2383669, filed as “ACCESS TO CAPITAL FOR ENTREPRENEURS INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $88.8M | $33.5M | $11M | $44.3M |
| Dec 2022 (990) | $106.3M | $40.3M | $13.8M | $59.8M |
| Dec 2023 (990) | $121.2M | $53.6M | $27M | $66.9M |
Total assets grew 36% from Dec 2021 to Dec 2023; notes and loans receivable rose 51%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 3 | Rank among the 6 certified CDFIs in Georgia with SBA approvals in either period: 3 → 2. |
| Largest loan its website states | $1M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 72% of these 184. |
| Total assets, latest IRS Form 990 | $121.2M | Larger than 88% of the 8 other certified loan funds and venture funds in Georgia with a matched Form 990 (median $13.8M). |
| Business loan rate its website stated (2 Nov 2026) | 7.75% to 12.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 0.75 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Georgia with SBA approvals FY2023–2026 | 5 | rank 3 → 2 of 6 |
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 72% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Georgia | 8 | larger than 88% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 4 SBA-backed approvals for Access to Capital for Entrepreneurs, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 3 7(a) loans as the lender: $603,000 in total (gross amount approved), median $248,000
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 3.
By program
- 7(a) standard (2, 50%)
- 7(a) Community Advantage (1, 25%)
- 504 projects (as the third-party lender) (1, 25%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Access to Capital for Entrepreneurs”); SBA lender ID 0428018: same name, state and city (SBA lists “Access to Capital for Entrepreneurs”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Access to Capital for Entrepreneurs, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Cleveland and Georgia
- Albany Community Together, Inc.Loan fund · Albany, GAMicroloans, Small-business loansVerified
- Bank of CamillaBank or thrift · Camilla, GAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Columbus Housing Initiative, IncLoan fund · Columbus, GAHome mortgagesVerified
- Community Housing Capital, Inc.Loan fund · Decatur, GAAffordable housing development loansVerified
Work at Access to Capital for Entrepreneurs, Inc.? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.