{"id":71111,"date":"2013-01-09T02:59:26","date_gmt":"2013-01-09T07:59:26","guid":{"rendered":"https:\/\/aceloans.org\/productos-de-prestamo\/prestamos-comerciales\/"},"modified":"2026-01-13T13:35:27","modified_gmt":"2026-01-13T18:35:27","slug":"prestamos-comerciales","status":"publish","type":"page","link":"https:\/\/aceloans.org\/es\/productos-de-prestamo\/prestamos-comerciales\/","title":{"rendered":"Pr\u00e9stamos comerciales"},"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\">PR\u00c9STAMOS COMERCIALES DE NEGOCIOS: $50.001 A $1.000.000<\/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\">Requirements to obtain a loan<\/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><p>Si est\u00e1 inscrito en <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)<\/p><\/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\/commercial-loans\/commercial-loan-prescreening-assessment\/\" 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=\"http:\/\/apply.aceloans.org\/auth\/CommercialLoan\/login\" style=\"border-radius:4px;color:#ffffff\" target=\"_blank\" rel=\"noreferrer noopener\">Reanudar la solicitud<\/a><\/div>\n<\/div>\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\"><p><strong>Utilizaci\u00f3n de los fondos<\/strong><\/p><\/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<p><\/p>\n\n\n\n<p>Capital de trabajo, inventario, equipo, veh\u00edculos y bienes ra\u00edces.<\/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\"><p><strong>Importe<\/strong><\/p><\/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><\/p>\n\n\n\n<p>Hasta $1.000.000 (importe m\u00ednimo del pr\u00e9stamo: $50.001)<\/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\"><p><strong>Plazo<\/strong><\/p><\/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><\/p>\n\n\n\n<p>Hasta 84 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\"><p><strong>Tarifa<\/strong><\/p><\/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><p>Hasta el 12% &#8211; Cuota Fija (los tipos pueden variar en funci\u00f3n de las calificaciones crediticias)<br\/>\n(Tan bajo como la tasa preferencial + 1.75 % fija solo para bienes ra\u00edces comerciales)\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\"><p><strong>Tasas<\/strong><\/p><\/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><\/p>\n\n\n\n<p>El proceso de solicitud del pr\u00e9stamo es de $100.00 \/ Tasa de originaci\u00f3n 2%<\/p>\n\n\n\n<p>Cargo de procesamiento de $500 y cargo administrativo de $500, solo para pr\u00e9stamos que se cierren (no cubre otros gastos externos como honorarios de abogados o tasaciones).<\/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\"><p><strong>Colateral<\/strong><\/p><\/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><\/p>\n\n\n\n<p>Declaraci\u00f3n de financiamiento UCC-1 (C\u00f3digo Uniforme de Comercio)<\/p>\n\n\n\n<p>Se puede requerir garant\u00eda seg\u00fan el importe del 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-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\"><p><strong>Garantes<\/strong><\/p><\/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><\/p>\n\n\n\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\"><p><strong>Documentos necesarios<\/strong><\/p><\/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 del Impuestos de la renta del 2023<\/strong>, todas las p\u00e1ginas<\/p><\/li>\n\n\n\n<li><p><strong>Declaraci\u00f3n del impuestos de 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 2022).<\/p><\/li>\n\n\n\n<li><p><strong>Balance general y estado de p\u00e9rdidas y ganancias acumulados a la fecha del 2025.<\/strong><\/p><\/li>\n\n\n\n<li><p><strong>2023 Declaraci\u00f3n del impuesto sobre la renta de los propietarios\/avalistas<\/strong>, todas las p\u00e1ginas<\/p><\/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>Declaraci\u00f3n financiera personal de cada propietario\/avalista<\/strong> (se facilitar\u00e1 una plantilla)<\/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\/avalistas<\/strong> (anverso y reverso)<\/p><\/li>\n\n\n\n<li><p><strong>Acuerdo de operaciones, estatutos y\/o resoluci\u00f3n corporativa<\/strong> (si aplica)<\/p><\/li>\n\n\n\n<li><p><strong>DD214, necesario para el Programa de Pr\u00e9stamos para Veteranos<\/strong><\/p><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-file aligncenter\"><a id=\"wp-block-file--media-27e3383c-2afa-4174-8fae-ae7a9d0d766e\" href=\"https:\/\/aceloans.org\/wp-content\/uploads\/2025\/04\/ACE-Commercial-Loan-Rate-Flyer_Spanish-2025-NH.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">ACE Commercial Loan Rate Flyer_Spanish 2025<\/a><a href=\"https:\/\/aceloans.org\/wp-content\/uploads\/2025\/04\/ACE-Commercial-Loan-Rate-Flyer_Spanish-2025-NH.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-27e3383c-2afa-4174-8fae-ae7a9d0d766e\">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<figure class=\"wp-block-image aligncenter size-full testimonial\"><img decoding=\"async\" width=\"402\" height=\"586\" src=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Deb-Rowe.png\" alt=\"\" class=\"wp-image-18013\" srcset=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Deb-Rowe.png 402w, https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Deb-Rowe-206x300.png 206w\" sizes=\"(max-width: 402px) 100vw, 402px\" \/><figcaption class=\"wp-element-caption\"><p>&#8220;Si no fuera por ACE, seguir\u00eda trabajando por horas y no habr\u00eda influido en cientos de vidas de toda una comunidad.&#8221;<br><br><strong>Deb Rowe<\/strong>, <em>Propietario de Shenanigans Restaurant &amp; Irish Pub, Dahlonega, GA<\/em><\/p><\/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:25%\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-full testimonial\"><img decoding=\"async\" width=\"960\" height=\"960\" src=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Tennille-Carter-Paul-1.jpg\" alt=\"\" class=\"wp-image-18014\" srcset=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Tennille-Carter-Paul-1.jpg 960w, https:\/\/aceloans.org\/wp-content\/uploads\/2020\/11\/Tennille-Carter-Paul-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 960px, 100vw\" \/><figcaption class=\"wp-element-caption\"><p>&#8220;En lugar de prestarme el dinero y ya est\u00e1, ACE me ayud\u00f3 con servicios de asesoramiento, que forman parte de su programa Capital, Coaching and Connections.&#8221;<br><br><strong>Tennille Carter-Paul<\/strong>,<em> Fundadora y CEO de Atlanta Bookkeeping Solutions, Atlanta, GA<\/em><\/p><\/figcaption><\/figure>\n<\/div>\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:50%\">\n<h3 class=\"wp-block-heading\">Acerca de ACE<\/h3>\n\n\n\n<p><p>ACE | ACCESS TO CAPITAL FOR ENTREPRENEURS est\u00e1 certificada como Community 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><\/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 para peque\u00f1as empresas junto con servicios de asesoramiento empresarial. ACE tiene oficinas en Westside Atlanta, 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-large is-resized\"><img decoding=\"async\" width=\"300\" height=\"262\" src=\"https:\/\/aceloans.org\/wp-content\/uploads\/2020\/03\/ACE-Icons-business-advice.png\" alt=\"\" class=\"wp-image-12605\" style=\"width:150px;height:131px\"\/><\/figure>\n\n\n\n<p><p><strong>Si tiene preguntas sobre ACE, p\u00f3ngase en contacto con<\/strong><br\/>Tel: 678-335-5600<br\/>Correo electr\u00f3nico: info@aceloans.org<\/p><\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PR\u00c9STAMOS COMERCIALES DE NEGOCIOS: $50.001 A $1.000.000 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-71111","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/71111","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=71111"}],"version-history":[{"count":20,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/71111\/revisions"}],"predecessor-version":[{"id":104443,"href":"https:\/\/aceloans.org\/es\/wp-json\/wp\/v2\/pages\/71111\/revisions\/104443"}],"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=71111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}