ACC Capital SBA loans
Short answer
ACC Capital made 56 SBA loans from October 2023 to June 2026. 57.1% of them went to startups, against 16.1% for all lenders, per SBA's loan file.
- SBA loans, Oct 2023 to Jun 2026
- 56
- dollars approved
- $24.74M
- median loan
- $327,300
This site is not ACC Capital
sbaexpress.loans is not ACC Capital, and ACC Capital did not provide, review or pay for this page. Janover Capital LLC runs this site. The loan figures here come from SBA's public 7(a) loan file, not from ACC Capital.
Loan sizes
The medianThe middle figure. Half the loans were larger and half were smaller. loan ACC Capital approved from October 2023 to June 2026 was $327,300. A quarter of its loans were smaller than $206,750 and a quarter were larger than $527,025. For all lenders the median was $150,300. Its median is about 2.2 times the all-lender median. The average loan was $441,707.
Shares are of all 56 loans. Fewer than 5 marks a band whose count we do not publish.
Age of the businesses it lends to
The largest group was startups, at 57.1% of this lender's loans, against 16.1% for all lenders.
Fewer than 5 marks a group whose count we do not publish.
SBA Express and lines of credit
Fewer than 5 of this lender's loans went through SBA Express, below the 35.8% for all lenders. Fewer than 5 were lines of creditA credit limit you can draw on, repay and draw on again. , below the 28.1% for all lenders.
| Share of loans | ACC Capital | All lenders |
|---|---|---|
| Through SBA Express | Fewer than 5 | 35.8% |
| Lines of credit | Fewer than 5 | 28.1% |
A line of credit lets a business draw money, repay it and draw again. SBA's file flags these loans as revolving.
What SBA Express means
An SBA Express loan can be up to $500,000. On these loans, the lender makes the credit decision without prior SBA review.
Source: SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126); SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127).
Where it lends
The most loans went to businesses in Arkansas: 17 of 56, or 30.4%. It made 5 or more loans in each of 4 states. State is where the business is, not where the lender is based.
| State | Loans | Share of its loans |
|---|---|---|
| Arkansas | 17 | 30.4% |
| Florida | 7 | 12.5% |
| Texas | 7 | 12.5% |
| Tennessee | 6 | 10.7% |
What it lends to
No single industry reached 5 loans for ACC Capital from October 2023 to June 2026. Its lending is spread too widely to rank. Browse the industry pages to see which trades each lender serves.
About the lender
- Type: Non-bank lender
- Location: Little Rock, AR (address printed on its SBA loans, which can be a loan center rather than headquarters)
- Official website: not on file. Non-bank lenders are not in the FDIC or NCUA directories.
This page describes loans SBA approved. It does not show denied applications, today's rates, fees or credit standards. It is not an offer from ACC Capital. To ask ACC Capital about a loan, contact it directly.
Starting rates and spread over Prime
The median starting rate on this lender's loans approved from October 2023 to June 2026 was 10.25%. The median spread was 2.75 percentage points over Prime. For all lenders the medians were 10.25% and 2.75 percentage points over Prime.
Both its median starting rate and its median spread were about the same as the all-lender medians.
The starting rate follows Prime on the day a loan was approved. The spread over Prime is the steadier way to compare lenders and years. Spread is measured on variable-rate loans only.
SBA's ceiling on variable rates
For variable-rate loans, SBA caps the rate at Prime plus 3.0 to 6.5 percentage points, depending on loan size. Today's ceilings by loan size are on the rates page.
Source: 13 CFR § 120.214(d).
Loans by year
From FY2024 to FY2025, the number of loans rose 19% (16 to 19). Across all lenders it rose 2.4%.
SBA's fiscal year runs October 1 to September 30. FY2026 covers October 1, 2025 to June 30, 2026 only. Fewer than 5 marks a year whose count we do not publish.
Charge-offs
ACC Capital approved 11 loans from October 2019 to September 2022. By June 30, 2026, none had been charged offThe lender wrote the loan off as a loss because it was not being repaid. . By loans that is lower than the 3.6% for all lenders. By dollars the rate was 0.0%, against 0.9% for all lenders.
That is a small group, so one or two losses move the rate a lot. Treat it as a rough guide.
How charge-offs are counted
We count only loans approved October 1, 2019 to September 30, 2022 (FY2020 to FY2022). Newer loans have not had time to go bad. A charge-off means the lender wrote the loan off as a loss. The rate by loans is charged-off loans divided by approved loans. The rate by dollars is the charged-off balance divided by approved dollars. Both run through June 30, 2026.
The two rates can differ widely for a lender that writes many small loans. A small loan adds one to the count but little to the dollars.
SBA's file covers approved loans only. This says nothing about how often applications are approved.
Lenders with a similar number of loans
These five lenders are the nearest to ACC Capital by number of SBA loans. Their pages show the same figures, so you can compare loan sizes and loan types. It ranks 276th of 807 lenders by loans approved from October 2023 to June 2026.
| Lender | Loans | Median loan | Express | Lines of credit | Charge-offs |
|---|---|---|---|---|---|
| ACC Capital | 56 | $327,300 | Fewer than 5 | Fewer than 5 | 0.0% |
| First Mid Bank & Trust | 56 | $241,550 | 17.9% | 17.9% | 0.0% |
| Great Plains National Bank | 56 | $362,500 | 14.3% | 14.3% | 0.0% |
| Mid Penn Bank | 56 | $405,000 | 19.6% | 19.6% | Fewer than 5 |
| NewBank | 56 | $550,000 | 0.0% | 0.0% | 0.0% |
| Bank of Utah | 55 | $402,000 | 14.5% | Fewer than 5 | n/a |
Express and lines of credit are shares of loans. Charge-offs are the share of loans approved October 2019 to September 2022 that had been charged off by June 30, 2026. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Recent loans were approved October 1, 2023 to June 30, 2026. The full file starts October 1, 2019. SBA's fiscal year runs October 1 to September 30. Express counts SBA Express and Export Express loans. Spread over Prime is measured on variable-rate loans. How we build these pages.
Sources
Download this page's data: JSON · CSV
Cite this page: ACC Capital SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/acc-capital/
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