Loan Products

Available Loan Products


Paycheck Protection Program Loan (PPP)

ACE is now partnering with Lendistry.com to offer the Paycheck Protection Program.  Follow the application link for forms and instructions by entity type.

You may also find it helpful to review the application guide before applying.

The Paycheck Protection Program (PPP) is a U.S. Small Business Administration (SBA) loan designed to provide help for small businesses.

The minimum loan amount is $5,000.

Requirements to apply:

  • Businesses (or nonprofits) in operation as of February 15, 2020
  • Independent contractors or sole proprietors, or if your business/organization has employees for whom they have associated payroll costs
  • You certify that your business has sustained economic damage due to COVID-19


If you are looking for a second PPP loan, here are the criteria you need to qualify:

  • Your business has fewer than 300 employees
  • You can show a 25% revenue reduction during any quarter of 2020 relative to the same quarter in 2019


Small Business Loans

Small Business Loans $50,000 and Under

All you need to do is apply online. You’ll be asked to provide the required documentation to ACE by fax, mail, email, or in person. A final decision will be made as quickly as possible because we mean business, just like you.

Commercial Loans

Business Loans Over $50,000

All you need to do is apply online. You’ll be asked to provide the required documentation to ACE by fax, mail, email, or in person. A final decision will be made as quickly as possible because we mean business, just like you.

DeKalb County Small Business Loans

Available to Businesses in DeKalb County

This program is designed to provide below-market rate fixed asset financing to new and existing small businesses that want to do business in DeKalb County. This program also establishes a platform for creating and retaining jobs for the County.

Not sure if you are ready?

We offer many resources to help your business grow, including preparing you for a business loan. Get started with these free resources!

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