{"id":71107,"date":"2013-01-09T02:40:46","date_gmt":"2013-01-09T07:40:46","guid":{"rendered":"https:\/\/aceloans.org\/productos-de-prestamo\/prestamos-para-pequenas-empresas\/"},"modified":"2026-01-13T13:38:52","modified_gmt":"2026-01-13T18:38:52","slug":"prestamos-para-pequenas-empresas","status":"publish","type":"page","link":"https:\/\/aceloans.org\/es\/productos-de-prestamo\/prestamos-para-pequenas-empresas\/","title":{"rendered":"Pr\u00e9stamos para peque\u00f1as empresas"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h3 class=\"wp-block-heading\">Micro Pr\u00e9stamos de Negocios: $15,000 a $50,000<\/h3>\n\n\n\n<p>Una de nuestras se\u00f1as de identidad es proporcionar pr\u00e9stamos a propietarios de empresas que re\u00fanan los requisitos necesarios para satisfacer las demandas de sus negocio en crecimiento. Lo hacemos ofreciendo Capital, Asesor\u00edas y Conexiones a prestatarios desatendidos y a comunidades que crean y conservan puestos de trabajo. Revise los requisitos del pr\u00e9stamo a continuaci\u00f3n para comenzar el proceso.<\/p>\n\n\n\n<p>Una vez que el solicitante elegible aplique en l\u00ednea, se le pedir\u00e1 que proporcione la documentaci\u00f3n requerida a ACE. Se tomar\u00e1 una decisi\u00f3n lo antes posible.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h4 class=\"wp-block-heading\">Requisitos para obtener un pr\u00e9stamo<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empresas con m\u00e1s de 2 a\u00f1os en operaciones.<\/li>\n\n\n\n<li>Debe ser una empresa con \u00e1nimo de lucro registrada en el estado de Georgia.<\/li>\n\n\n\n<li>Registros activos de la Secretar\u00eda de Estado y documentos organizativos en regla.<\/li>\n\n\n\n<li>Si est\u00e1 inscrito en\u00a0<a href=\"https:\/\/sam.gov\/content\/home\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>sam.gov<\/strong><\/a>, debe tener una categor\u00eda aceptable (la inscripci\u00f3n no es obligatoria)<\/li>\n\n\n\n<li>Los negocios no elegibles incluyen empresas que cotizan en bolsa, mercadeo multinivel, establecimientos de juegos de azar, inversiones piramidales, empresas de inversi\u00f3n en bienes ra\u00edces (REITs) y entretenimiento para adultos.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-text-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"color:#ffffff;background-color:#336600\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h4 class=\"wp-block-heading\">\u00bfListo para empezar? <\/h4>\n\n\n\n<p>Empezaremos con algunas preguntas para ver si cumple los requisitos.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/aceloans.org\/apply-for-a-loan\/small-business-loans\/small-business-loan-prescreening\/\" style=\"border-radius:4px;color:#ffffff;background-color:#f47d1f\">Empezar la solicitud en l\u00ednea<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-text-color wp-element-button\" href=\"https:\/\/portal.aceloans.org\/login\" style=\"border-radius:4px;color:#ffffff\" target=\"_blank\" rel=\"noreferrer noopener\">Reanudar una solicitud<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-very-light-gray-background-color has-background is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Utilizaci\u00f3n de los fondos<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Capital de trabajo, inventario, equipo y veh\u00edculos<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Importe<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Hasta $50.000 (El importe m\u00ednimo del pr\u00e9stamo es de $15.000 )<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Plazo<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Hasta 60 meses (P&amp;I mensual)<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Tarifa<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>7.75% Cuota Fija<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Tasas<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Tarifa del proceso de solicitud del pr\u00e9stamo es de $100.00 \/ Tarifa de originaci\u00f3n 3%.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Colateral<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Declaraci\u00f3n de financiamiento UCC-1 (C\u00f3digo Uniforme de Comercio)<\/p>\n\n\n\n<p>No requiere garant\u00eda colateral espec\u00edfica<br><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Garantes<\/strong><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Las personas con un 20% o m\u00e1s de participaci\u00f3n en la empresa deber\u00e1n garantizar personalmente el pr\u00e9stamo.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-10 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading has-text-align-right\"><strong>Documentos Requeridos<\/strong><\/h4>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<ul class=\"wp-block-list\">\n<li><p><strong>Declaraci\u00f3n de impuestos sobre la renta del 2024<\/strong>, todas las p\u00e1ginas (si no se ha presentado, facilite una copia de la pr\u00f3rroga y el balance y la cuenta de p\u00e9rdidas y ganancias de finales de 2024).<\/p><\/li>\n\n\n\n<li><strong>Balance <\/strong><strong style=\"font-size: revert;\">general y estado de p\u00e9rdidas y ganancias acumulados a la fecha del 2025.<\/strong><\/li>\n\n\n\n<li><p><strong>2024 Declaraci\u00f3n de impuestos sobre la renta de los propietarios\/avalistas<\/strong>, todas las p\u00e1ginas (si no se ha presentado, facilite copia de la pr\u00f3rroga)<\/p><\/li>\n\n\n\n<li><p><strong>Copia de los W-2<\/strong><\/p><\/li>\n\n\n\n<li><p><strong>Copias de los permisos de conducir de los propietarios\/garantes<\/strong><\/p><\/li>\n\n\n\n<li><strong>Acuerdo de operaciones, estatutos y\/o resoluci\u00f3n corporativa<\/strong>, si aplica<\/li>\n\n\n\n<li><strong>DD214, necesario para el Programa de Pr\u00e9stamos para Veteranos<\/strong><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-file aligncenter\"><a id=\"wp-block-file--media-ee5411b5-9ea9-4f22-8bc4-e4642b43d1c9\" href=\"https:\/\/aceloans.org\/wp-content\/uploads\/2025\/04\/ACE-Small-Business-Loan-Flyer_Spanish-Apr-2025-NH.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">ACE Flyer de Pr\u00e9stamos Peque\u00f1os<\/a><a href=\"https:\/\/aceloans.org\/wp-content\/uploads\/2025\/04\/ACE-Small-Business-Loan-Flyer_Spanish-Apr-2025-NH.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-ee5411b5-9ea9-4f22-8bc4-e4642b43d1c9\">Descargar<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-11 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-medium testimonial\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/02\/Ready-for-Funding-300x200.jpg\" alt=\"\" class=\"wp-image-12407\"\/><figcaption class=\"wp-element-caption\">&#8220;El banco no me ayudar\u00eda con capital, pero ACE s\u00ed. Pero fue mucho m\u00e1s que capital. Mi negocio pas\u00f3 r\u00e1pidamente de amarillo a verde.&#8221;<br><br><strong>Amia Guild<\/strong>, <em>Propietario de Takes A Village Transportation, East Point, GA<\/em><\/figcaption><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<figure class=\"wp-block-image aligncenter size-full testimonial\"><img decoding=\"async\" width=\"198\" height=\"300\" src=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Ceata-Lash-198x300-1.jpg\" alt=\"\" class=\"wp-image-18329\"\/><figcaption class=\"wp-element-caption\">&#8220;ACE es la \u00fanica entidad que conozco que realmente llega a mujeres, minor\u00edas y otros empresarios desfavorecidos que tienen un sue\u00f1o y s\u00f3lo necesitan un poco de ayuda para conseguirlo.&#8221;<br><br><strong>Ceata Lash<\/strong>, <em> <em>Propietario<\/em>, PuffCuff LLC, Marietta, GA<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h3 class=\"wp-block-heading\">Acerca de ACE<\/h3>\n\n\n\n<p>ACE | ACCESO AL CAPITAL PARA EMPRESARIOS est\u00e1 certificada como Instituci\u00f3n Financiera de Desarrollo Comunitario (CDFI). Nuestra misi\u00f3n es ofrecer a nuestros prestatarios los recursos de desarrollo empresarial necesarios para crear negocios sostenibles.<\/p>\n\n\n\n<p>Creamos puestos de trabajo y salvamos puestos de trabajo. ACE, como prestamista comunitario sin \u00e1nimo de lucro, se especializa en pr\u00e9stamos a peque\u00f1as empresas junto con servicios de asesoramiento empresarial. ACE tiene oficinas en Westside Atlanta y Cleveland, GA, y ACE Women&#8217;s Business Centers en Norcross, GA y Savannah, GA.<\/p>\n\n\n\n<figure class=\"wp-block-image size-thumbnail\"><img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/03\/ACE-Icons-business-advice-150x150.png\" alt=\"\" class=\"wp-image-12605\"\/><\/figure>\n\n\n\n<p><strong>Si tiene preguntas sobre ACE, p\u00f3ngase en contacto con:<\/strong><br>Phone: <a href=\"tel:6783355600\">678-335-5600<\/a><br>E-mail:&nbsp;<a href=\"mailto:info@aceloans.org\">info@aceloans.org<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Micro Pr\u00e9stamos de Negocios: $15,000 a $50,000 Una de nuestras se\u00f1as de identidad es proporcionar pr\u00e9stamos a propietarios de empresas que re\u00fanan los requisitos necesarios para satisfacer las demandas de sus negocio en crecimiento. Lo hacemos ofreciendo Capital, Asesor\u00edas y Conexiones a prestatarios desatendidos y a comunidades que crean y conservan puestos de trabajo. Revise [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":68393,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-71107","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/71107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/comments?post=71107"}],"version-history":[{"count":16,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/71107\/revisions"}],"predecessor-version":[{"id":104447,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/71107\/revisions\/104447"}],"up":[{"embeddable":true,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/68393"}],"wp:attachment":[{"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/media?parent=71107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}