Why Access Private Capital
We’re Better than a bank
We believe small business lending can be thorough without being slow and bureaucratic. What CDCs and Loan Brokers get with us is a partner who is proactive and dependable from start to finish.
Flexibilty
We can’t do all loans, but we can do more than most banks.
Certainty
No surprises. If we tell you we can close, we’re going to close.
Speed
No one is going to be waiting on us to get your loan over the finish line.
Expertise
We are an SBA 504 only lender. It’s what we know and it’s what we do. Every day.
Loan Offerings
504 Permanent Loan
Acccess Private Capital funds 1st mortgage third party loans for SBA 504 approved projects.
Interim Loans
Access Private Capital funds the interim loan that is taken out by the SBA debenture.
Construction Loans
Access Private Capital provides construction financing for SBA 504 approved projects.

Case Study: Speed
Borrower’s bank backed out of funding days before closing on a new office property. Seller’s extensions were exhausted; borrower risked losing the property.
Solution
- APC issued a term sheet and full approval same day.
- Accepted third-party reports from prior lender to save time.
- Engaged closing attorneys within days and closed the loan before deadline.
Case Study: Expertise
Borrower needed financing for ground-up construction of airport hangars on municipal land, with complex ground lease and zoning requirements.
Solution
- APC provided both the construction loan and the permanent third-party loan.
- Structured the deal to meet SBA takeout requirements, ensuring full project funding and compliance.

Recent Closings
Small Businesses don’t ask for easy – just Access.
“Access Private Capital stands behind the risk-takers, the job-creators, the dream-builders.”
Frequently Asked Questions
General
Are there any industries in which you won't lend?
This list may change from time to time but as of now the only industry we aren’t lending to is hotels.
Do you have any geographic limitations?
Nope, we fund SBA 504 loans nationwide.
Will you fund construction projects?
Yes, we regularly provide Interim loans to finance renovations and/or ground up construction. However, our objective when funding construction loans is to end up with the permanent loan as well.
How long does it take to get an approval?
It depends on where the CDC is in their underwriting process. In cases where there is a CDC credit memo that can be shared or an SBA approval is in place, we can usually have a commitment to lend within 24 hours.
Do you fund the Interim Loan?
Yes, we fund the interim loan for all of our SBA 504 projects.
What are the advantages of being a non-bank TPL?
As a non-bank TPL we have flexibility other traditional lenders don’t have. We also have the ability to work quickly and provide CDCs with fast turnarounds on loan approvals.
What is your experience with 504 lending?
Our firm has been funding 504 loans since 2018 and our team consists of people who have worked for CDCs and/or been board members for CDCs.
Do you fund loans with your own capital?
Yes, we we have a $100 million private fund dedicated to SBA 504 lending only.
Will you pay referral fees to brokers?
Yes, if you have a deal that was brought to you by a loan broker, we are always open to working with them.
Will you accept 3rd party reports ordered by another bank?
Most of the time we will accept existing 3rd party reports. In cases of special use real estate we will sometimes need to order our own report.
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