ACC Capital
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by ACC Capital
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 64 | $30.2M | $473K | 8.8% |
| 722513 | Limited-Service Restaurants | 64 | $20.0M | $313K | 8.8% |
| 713940 | Fitness and Recreational Sports Centers | 32 | $7.7M | $241K | 4.4% |
| 423850 | Service Establishment Equipment and Supplies Merchant Wholesalers | 32 | $11.3M | $352K | 4.4% |
| 456110 | Other | 16 | $11.2M | $697K | 2.2% |
| 541613 | Marketing Consulting Services | 16 | $1.2M | $75K | 2.2% |
| 333998 | Other | 16 | $12.0M | $748K | 2.2% |
| 444230 | Other | 16 | $6.2M | $389K | 2.2% |
| 812112 | Beauty Salons | 16 | $4.6M | $290K | 2.2% |
| 561730 | Landscaping Services | 16 | $18.3M | $1.1M | 2.2% |
Geographic Distribution
SBA lending activity for ACC Capital by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arkansas (AR) | 448 | $172.4M | 61.5% |
| Tennessee (TN) | 72 | $37.6M | 9.9% |
| Texas (TX) | 56 | $30.5M | 7.7% |
| Michigan (MI) | 24 | $16.2M | 3.3% |
| Florida (FL) | 40 | $10.9M | 5.5% |
| Georgia (GA) | 32 | $10.5M | 4.4% |
| Alabama (AL) | 8 | $7.9M | 1.1% |
| Utah (UT) | 8 | $5.4M | 1.1% |
| Kansas (KS) | 8 | $4.0M | 1.1% |
| North Carolina (NC) | 8 | $3.8M | 1.1% |
| California (CA) | 8 | $3.2M | 1.1% |
| Virginia (VA) | 8 | $2.3M | 1.1% |
| Kentucky (KY) | 8 | $1.8M | 1.1% |
Why Choose ACC Capital?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 728 SBA loans approved, totaling $306.5M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 9.96% with flexible term lengths averaging 137 months
- ✓Loan Range: Loan sizes from $20K to $2.6M, with an average of $421K
- ✓Nationwide Reach: Active lending in 13 states, with strong presence in AR, TN, TX
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about ACC Capital SBA lending
What types of businesses does ACC Capital typically finance?
ACC Capital specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, fitness and recreational sports centers, service establishment equipment and supplies merchant wholesalers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are ACC Capital's typical SBA loan terms?
ACC Capital's SBA 7(a) loans typically feature an average interest rate of 9.96% and average term length of 137 months (approximately 11 years). Loan sizes range from $20K to $2.6M, with an average loan size of $421K.
Do I need a business valuation for a ACC Capital SBA loan?
Yes, ACC Capital typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does ACC Capital compare to other SBA lenders?
ACC Capital has originated 728 SBA loans totaling $306.5M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does ACC Capital lend in?
ACC Capital provides SBA 7(a) financing with particularly strong presence in AR, TN, TX, FL, GA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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