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Business Advice

ACE distinguishes itself from other lenders with our Business Advisory Services, which help our clients thrive as well as survive. We are committed to building the business knowledge of all of our applicants, whether or not they qualify – yet – for a loan. Our goal is never to say a resounding “no” to any ambitious entrepreneur willing to work toward a goal. When potential clients come to us with a blemished credit history or other impediments, we suggest possible steps and solutions to help them qualify later for a loan. And then, if they succeed, we help them establish and grow their businesses.

For start-ups and existing businesses, the friendly and highly trained staff members of ACE offer one-on-one assistance with marketing and website design; with budgeting and cash flow management; with staffing and hiring policies; with technical innovation and bureaucratic hurdles; and with the other unpredictable challenges that arise in the day-to-day operation of any business. Sometimes a quick word of advice from one phone call – or an afternoon spent sounding out some of the confusing aspects of a loan application with an expert — can make all of the difference in a business’s success.

We support our borrowers during and after the loan closing and offer one-on-one consulting in many areas of business including but not limited to accounting, marketing, strategic planning, and operations. Through our Business Advisory Services, ACE will assist our small business borrowers to strengthen operations and improve sustainability. The objectives of the program include:

  1. Building a relationship with our borrowers, evaluating their needs and connecting them with the appropriate consultant or educational opportunity.
  2. Providing a resource guide to all clients that includes assistance that ACE can provide.
  3. Providing access to a wide array of business providers for assistance on specific projects.
  4. Connecting our borrowers with relevant classes, webinars, and seminars to help improve business operations.
  5. Assessing our borrowers’ financial strength and stability, and making the appropriate recommendations.
  6. Sending a monthly newsletter for education, training and quick tips on various relevant topics.

The program is targeted towards our small business borrowers with annual revenues of $1 million or less and with 10 or less employees.

Business Start-Up & Planning


SCORE, an association of experienced business owners and managers, can provide free advice and low cost training either on-line or in person. Atlanta and Dalton, Georgia SCORE chapters provide local assistance. The Dalton chapter may be reached via email, at, or 706.279.3383.

SCORE’s site to help small businesses take advantage of technology.

U.S. Small Business Administration- Georgia District Office

The SBA helps Americans start, build and grow businesses. Through an extensive network of field offices and partnerships with public and private organizations, SBA delivers its services to people throughout the United States, Puerto Rico, the U. S. Virgin Islands and Guam.

University of Georgia Small Business Development Center

The Georgia SBDC Network is a service provider to the state’s small businesses. Georgia has a long history with the SBDC program, as one of the original pilot programs for the nation. Through the continued support of Congress via the SBA and the University System of Georgia, the Georgia SBDC Network assists small businesses in bringing innovations to the world market and jobs to our citizens.

e-Business NOW

SCORE’s e-Business Now program is designed to help small businesses grow and prosper using contemporary technology to compete more effectively. SCORE and e-Business Now are committed to help you on many levels:

With our online workshops you view at a time convenient for you, you can get “comfortable” and view complete technology workshops anytime. Our How-To Guides complement what you learn in our Tech Made Simple workshops. Combining technology knowledge with free expert business advice paves the highway of success for your small business.

Business Blueprints

Business Blueprints is a 60-page business feasibility guide by the Arkansas Small Business Development Center


Too often, interactions with the government are burdensome and frustrating. From seeking out financing opportunities to learning about the latest regulations affecting them, hard-working businesses are spending too much time navigating the federal bureaucracy. On October 28, 2011, the President issued a challenge to government agencies to think beyond their organizational boundaries in the best interest of serving America’s business community, and start thinking and acting more like the businesses they serve. He directed the creation of BusinessUSA, a centralized, one-stop platform to make it easier than ever for businesses to access services to help them grow and hire.


CredAbility (formerly Consumer Counseling Credit Services) provides a variety of on-line tools, education, and personal assistance to help you manage and resolve financial issues.

Borrowing Resources

Debt Calculators has a range of debt calculators to help you manage all your debt.

State and Local Agencies and Organizations

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