Microloans $15,000 to $50,000

Providing loans to eligible business owners to meet the demands of their growing business is one of our hallmarks.  We do this by delivering Capital, Coaching, and Connections for underserved borrowers and communities that create and retain jobs in our market area.  See loan details below to begin the process. 


Eligible applicants will be asked to provide the required documentation to ACE once an application is submitted.  A decision will be made as quickly as possible.


Loan Eligibility

  • Businesses 2+ years in operation
  • Must be a Georgia-based for-profit enterprise
  • Active Secretary of State Filings and Organizational documents in good standing
  • Ineligible businesses include multilevel marketing, gambling establishments, pyramid investments, real estate investment firms (REITS), and adult entertainment


Ready to get started?

We’ll start with a few questions to see if you qualify.


Use of Funds

Working Capital, Inventory, Equipment, Vehicles



Up to $50,000 (minimum loan amount $15,000)



Up to 60-months (Monthly P&I)



7.75% Fixed



Required one-time application fee of $50, Origination fee of 2%



UCC filing on business assets or equipment/vehicles


Individuals with 20% or more ownership in the business will be required to personally guarantee the loan


Required Documents



  • 2020 Business Tax Return
  • 2020 Personal Tax Return of Owners/Guarantors
  • 2021 Interim Balance Sheet and P&L
  • Copies of Driver’s Licenses of Owners/Guarantors



“The bank wouldn’t help me with capital, but ACE would. It was so much more than capital, though. My business quickly went from yellow to green.”


Amia Guild, Owner of Takes A Village Transportation, East Point, GA


“ACE is the only entity I know of that really reaches out to women, minorities, and other underserved entrepreneurs who have a dream and just need a little help achieving it.”


Ceata Lash, Owner, PuffCuff LLC, Marietta, GA

About ACE

Development Financial Institution (CDFI). Our mission is to offer our borrowers the business development resources to create sustainable businesses.


We create jobs, and we save jobs. ACE, as a nonprofit community lender, specializes in small-business loans coupled with business advisory services. ACE has offices in Westside Atlanta, Dalton, Rome, and Cleveland, GA, and an ACE Women’s Business Center in Norcross, GA.


For questions about ACE, contact:
Phone: 678-335-5600
E-mail: info@aceloans.org