About this programme
The ACC Microloan Program provides small term loans to entrepreneurs and business owners. It was created to assist small businesses that are often ignored by traditional banks and lenders.
The program is run by ACC Capital, Inc., a community development financial institution (CDFI) headquartered in Little Rock, Arkansas, certified by the U.S. Department of the Treasury. ACC Capital's stated aim is to give business owners the financial boost they need to succeed and grow, with fair terms and no surprise fees.
How it works
Loans range from $5,000 to $50,000 and are fully amortized over a term of up to 5 years, at competitive market-based rates. There are no prepayment penalties.
Loan proceeds can go toward startup costs, new or used equipment, advertising, working capital, fees and permits, or inventory.
As a traditional term loan, it requires monthly principal and interest payments rather than a royalty or equity structure.
Who can apply
Open to all for-profit small businesses and entrepreneurs in Arkansas, including the Texarkana metro and the Memphis metro area (including north Mississippi).
The program specifically targets businesses that may not meet traditional bank lending requirements.
How to apply
- Start the application through ACC Capital's website portal, or call the team directly.
- Complete a readiness assessment.
- Access free technical assistance during the application process, including business plan coaching and financial statement help.
Frequently asked
Is this a grant or a loan?
It's a traditional term loan requiring monthly principal and interest payments, not a grant.
What can the loan be used for?
Startup costs, new or used equipment, advertising, working capital, fees and permits, or inventory.
Can I pay off the loan early without a penalty?
Yes, ACC Capital does not allow prepayment penalties.
What if I don't qualify for a traditional bank loan?
The program is specifically designed for small businesses that may not meet traditional bank requirements, and applicants get free technical assistance, including business planning and financial coaching, throughout the process.
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Reviewed 2026-09-25. Programmes change, so check eligibility, amounts and deadlines on the official page before you apply. CapEasy is a private firm and is not part of any government body.