Give the Gift of Opportunity

Who We Are

ACE’s talented, mission-driven management team is its most valuable asset. With experience including banking, economic development, social work, and consulting, the team integrates the wisdom of experience with the enthusiasm and technical savvy of next-generation entrepreneurs. Actively engaged on all fronts, the ACE team has never wavered in a commitment to provide assistance to the people in our communities and create jobs in Georgia. In a reflection of the communities we serve, our staff is ethnically diverse and live in rural, suburban, and urban communities throughout North Georgia.

Our Staff


Grace Fricks

President and CEO, MBA

Fricks, who founded Access to Capital for Entrepreneurs, Inc. (ACE), was recognized as one of Bizwomen’s 100 Women to Watch and a 2016 Women Who Mean Business Honoree by Atlanta Business Chronicle. She was awarded the 2015 Inspiration in Community Award by The Center for the Future of North Georgia, Mike Cottrell College of Business at the University of North Georgia and in 2014, named as one of the 100 Most Influential Georgians by Georgia Trend Magazine and the SBA Georgia District Financial Services Champion of the Year. Fricks currently serves on the Advisory Board for the City of Atlanta’s Women’s Entrepreneurship Initiative (WEI), the Board of Directors of Appalachian Community Capital and Invest Atlanta’s New Market Tax Credit Board. She is a past member of the board of directors of University of North Georgia’s BB&T Center for Ethical Business Leadership, the national association of Association for Enterprise Opportunity (AEO), and past treasurer of Georgia Microenterprise Network (GMEN). Fricks, a small business owner for more than 15 years, is also a former board member of the National Association of Women Business Owners, Atlanta chapter. Fricks’ undergraduate is in social work from University of Tennessee at Martin and her MBA is from the University of Memphis.

Contact Information:
678-335-5600 ext 101

Sandy Headley

Vice President

With more than 20 years banking experience, Headley directed the ACE lending team and has been instrumental in implementing automated underwriting platforms and credit reporting systems for ACE. While at ACE, Headley grew its portfolio from $2 million to $37 million thus creating or saving more than 6,000 jobs. She helped develop multiple ACE financial products and expanded ACE’s service area into Atlanta. Her past banking experience includes work as a mortgage originator, mortgage processor/closer, and Assistant Vice President of loan recovery at a national bank. Headley has a bachelor’s degree in Business Administration from the University of Central Florida.

Contact Information:
678-335-5600 ext 108

Joshua Brackett

Chief Financial Officer

Brackett oversees the accurate, reliable, and timely preparation of ACE’s financial information and compliance. Under his direction, ACE became nationally accredited and successfully secured debt capital from Goldman Sachs, Bank of America, Wells Fargo, PNC Bank, FHLBA and Hamilton State Bank after undergoing rigorous due diligence processes by each institution. A graduate of Berry College with a BS in Business Administration and the Community Bankers Association consumer lending school, Brackett served in banking with experience as a loan collector/auditor, financial analyst, and Finance Manager with community banks. Brackett currently serves on the Board of Directors for the Habersham Community Theater.

Contact Information:
678-335-5600 ext 110


Luis Izaguirre

Chief Program Officer

Izaguirre is the Chief Program Officer overseeing all lending, business advisory services, and SBA Women’s Business Center. Izaguirre previously founded the Hispanic American Center for Economic Development (HACED) and spent 10 years promoting and encouraging Hispanic entrepreneurship helping more than 75,000 entrepreneurs who established 3,000 new businesses. Izaguirre was the Hispanic Center for Financial Excellence Director at ClearPoint Financial Solutions where he helped develop financial advisory services for the Hispanic market in Georgia and expanded to a second location in Florida. Izaguirre has an impeccable reputation in the business community both locally and internationally. His awards include Outstanding Contributions and Commitment to Business and Community Outreach Award” by the Georgia Department of Economic Development; and “Top Fifteen Best Graduates” by the Golden Key National Honor Society. Izaguirre earned his B.A. and MBA from Georgia State University.

Contact Information:
678-335-5600 ext 116

Bonnie Bowling

Credit Risk Officer

Bowling is the Credit Risk Manager and is responsible for the overall risk of the portfolio. She has more than 25 years of banking experience working as Chief Operating Officer at Habersham Bank, Vice President of Credit Administration at a Synovus affiliate, Branch Manager, Compliance Officer and Loan Officer. A north Georgia native, Bowling attended both Piedmont College and North Georgia College. She is a graduate of ABA Banking School, ABA Compliance School and ABA Graduate Banking School. Ms. Bowling has served as President of the Dahlonega Lions Club Board of Directors, Treasurer of Enotah CASA, and volunteers for No One Alone (NOA) and the Community Helping Place.

Contact Information:
678-335-5600 ext 107


Anthony Flack
Commercial Loan Officer
678-335-5600 ext 125

Vonda Echols
Director of Community Outreach and Business Lending
678-335-5600 ext. 123

Jeff Moody
Grant Writer
678-335-5600 ext 102
Ruth Ann Moore
Executive Assistant to the President
678-335-5600 ext. 101
Cameron Cohran
Loan Operations Assistant
678-335-5600 ext 105

Maria Peck
Director of Hispanic Strategy and Lending
678-335-5600 ext. 118

Courtney Lynn
Rural Small Business Loan Officer
678-935-5600 ext 106

Lynn Sizemore
Loan Operations Specialist Lead
678-335-5600 ext 103

Robin Forrester
Loan Operations Specialist
678-335-5600 ext. 117
Karen Malaga
Program & Logistics Manager
678-335-5600 ext 115
Alejandra Diaz
Program Assistant
678-335-5600 ext 120
Bonita Doster
Metro Small Business Loan Officer
678-335-5600 ext. 124
Sandra Font
Director, Women’s Business Center
678-335-5600 ext 122
Rachael Hancock
Assistant Credit Risk Manager
678-335-5600 ext 114
Jeff Sanders
678-335-5600 ext 109
Candace McClure
Accounting Assistant
678-335-5600 ext 104

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