Lenders › ACC Capital
7(a) lenderLittle Rock, Arkansasnon-bank 7(a) lender379th of 2,184 by approvals
ACC Capital
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
ACC Capital, based in Little Rock, Arkansas, is a non-bank 7(a) lender in the SBA 7(a) program. SBA approved 78 of its 7(a) loans worth $34.0M in FY2021 to FY2025, which places it 379th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 21 approvals totalling $9.2M, about level with FY2024 (21). FY2026 to 30 Jun 2026 adds 24 more.
The median approval was $309K, against $190K for the 7(a) program as a whole; 20.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 11 states and territories and 38 counties, led by Arkansas (65.4%), Tennessee (10.3%) and Texas (7.7%). The largest industry group was accommodation and food services at 19.2% of approvals, and 16.7% of approvals were to franchise businesses.
Of 144 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (5.6%), 123 as paid in full and 13 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 24 | $11.9M | $365K | $497K | 243 |
| FY2025 | 21 | $9.2M | $394K | $437K | 218 |
| FY2024 | 21 | $8.4M | $306K | $402K | 346 |
| FY2023 | 26 | $12.2M | $249K | $469K | 452 |
| FY2022 | 7 | $3.3M | $500K | $472K | 54 |
| FY2021 | 3 | $946K | $290K | $315K | 20 |
| FY2020 | 5 | $975K | $198K | $195K | 36 |
| FY2019 | 6 | $2.2M | $306K | $364K | 69 |
| FY2018 | 6 | $1.2M | $190K | $198K | 63 |
| FY2017 | 3 | $4.5M | $1.0M | $1.5M | 51 |
| FY2016 | 19 | $8.7M | $150K | $457K | 280 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 39 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Arkansas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 156 | 3,649 | 639,905 |
| Cancelled or never disbursed | 12 | 394 | 79,313 |
| Disbursed loans | 144 | 3,255 | 560,592 |
| Paid in full | 123 | 2,511 | 435,813 |
| Charged off | 8 | 224 | 36,891 |
| Still outstanding (status exempt from disclosure) | 13 | 520 | 87,888 |
| Charged off, share of disbursed loans | 5.6% | 6.9% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.9% | 3.4% | 2.5% |
| Dollars charged off | $653K | $56.9M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 2 | 2 | 0 | — | 2.8% |
| FY2020 | 5 | 3 | 0 | — | 4.0% |
| FY2019 | 6 | 5 | 0 | — | 6.7% |
| FY2018 | 4 | 2 | 0 | — | 7.9% |
| FY2017 | 3 | 2 | 0 | — | 7.7% |
| FY2016 | 19 | 15 | 1 | — | 7.2% |
| FY2015 | 20 | 18 | 1 | — | 6.9% |
| FY2014 | 19 | 17 | 2 | — | 6.4% |
| FY2013 | 13 | 11 | 1 | — | 6.0% |
| FY2012 | 15 | 14 | 0 | — | 6.3% |
| FY2011 | 19 | 17 | 2 | — | 6.9% |
| FY2010 | 19 | 17 | 1 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $309K | $190K |
| Average approval | $436K | $518K |
| Approvals of $150,000 or less | 20.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 52.6% | 34.3% |
| Approvals to franchise businesses | 16.7% | 11.5% |
| Jobs supported per approval, as reported | 14.0 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.6% | 6.6% |
States served
| # | State of the business (11 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arkansas | 51 | $20.6M | 65.4% | |
| 2 | Tennessee | 8 | $4.5M | 10.3% | |
| 3 | Texas | 6 | $2.7M | 7.7% | |
| 4 | Georgia | 4 | $1.3M | 5.1% | |
| 5 | Michigan | 3 | $2.0M | 3.8% | |
| 6 | Alabama | 1 | — | 1.3% | |
| 7 | Kansas | 1 | — | 1.3% | |
| 8 | North Carolina | 1 | — | 1.3% | |
| 9 | California | 1 | — | 1.3% | |
| 10 | Virginia | 1 | — | 1.3% | |
| 11 | Florida | 1 | — | 1.3% |
In Arkansas the lender accounts for 3.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (38 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Pulaski County, AR | 9 | $3.0M | 11.5% | |
| 2 | Benton County, AR | 9 | $2.2M | 11.5% | |
| 3 | Washington County, AR | 6 | $4.1M | 7.7% | |
| 4 | Shelby County, TN | 6 | $4.0M | 7.7% | |
| 5 | Saline County, AR | 4 | $865K | 5.1% | |
| 6 | Fulton County, GA | 3 | $1.1M | 3.8% | |
| 7 | Pope County, AR | 3 | $974K | 3.8% | |
| 8 | Clark County, AR | 3 | $605K | 3.8% | |
| 9 | Ingham County, MI | 2 | — | 2.6% | |
| 10 | Craighead County, AR | 2 | — | 2.6% | |
| 11 | Dallas County, TX | 2 | — | 2.6% | |
| 12 | Lincoln County, AR | 2 | — | 2.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 15 | 19.2% | |
| 2 | Retail Trade | 13 | 16.7% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 8 | 10.3% | |
| 4 | Manufacturing | 7 | 9.0% | |
| 5 | Arts, Entertainment, and Recreation | 7 | 9.0% | |
| 6 | Wholesale Trade | 6 | 7.7% | |
| 7 | Professional, Scientific, and Technical Services | 6 | 7.7% | |
| 8 | Other Services (except Public Administration) | 5 | 6.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 14 | 17.9% | |
| 2 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 5 | 6.4% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 6.4% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.8% | |
| 5 | Personal Care ServicesNAICS 8121 | 3 | 3.8% | |
| 6 | Other General Purpose Machinery ManufacturingNAICS 3339 | 2 | 2.6% | |
| 7 | Health and Personal Care RetailersNAICS 4561 | 2 | 2.6% | |
| 8 | Museums, Historical Sites, and Similar InstitutionsNAICS 7121 | 2 | 2.6% | |
| 9 | Lawn and Garden Equipment and Supplies StoresNAICS 4442 | 2 | 2.6% | |
| 10 | Specialty Food StoresNAICS 4452 | 2 | 2.6% |
Approval sizes
- $50,000 or less3.8%3
- $50,001 to $150,00016.7%13
- $150,001 to $350,00034.6%27
- $350,001 to $1 million39.7%31
- $1 million to $2 million1.3%1
- Over $2 million3.8%3
Loan terms
- Over 5 to 10 years82.1%64
- Over 10 to 20 years7.7%6
- Over 20 years10.3%8
Age of the businesses
- Existing, more than 2 years old24.4%19
- New business, 2 years or less14.1%11
- Startup, loan funds will open the business38.5%30
- Change of ownership23.1%18
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 75 | 96.2% | |
| 2 | 7a General | 2 | 2.6% | |
| 3 | SBA Express Program | 1 | 1.3% |
Franchise share
13 of 78 approvals in FY2021–FY2025 (16.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Eggs Up Grill | 2 | 2.6% | |
| 2 | Play Street Museum | 2 | 2.6% | |
| 3 | Jamba | 1 | 1.3% | |
| 4 | The Brass Tap Craft Beer Bar | 1 | 1.3% | |
| 5 | Molly Maid | 1 | 1.3% | |
| 6 | Waxing the City | 1 | 1.3% | |
| 7 | The Spice & Tea Exchange | 1 | 1.3% | |
| 8 | Painting With A Twist | 1 | 1.3% |
Questions and answers
How many SBA loans does ACC Capital make?
SBA approved 21 7(a) loans through ACC Capital in FY2025, worth $9.2M, and 78 over FY2021 to FY2025. That ranks 379th of 2,184 active 7(a) lenders by number of approvals.
How large are ACC Capital's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $309K and the average $436K. The program-wide median was $190K.
What is ACC Capital's charge-off rate?
Of 144 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (5.6%), 123 as paid in full and 13 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does ACC Capital lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (14); machinery, equipment, and supplies merchant wholesalers (5); other amusement and recreation industries (5); services to buildings and dwellings (3).
Where does ACC Capital make SBA loans?
In 11 states and territories. Arkansas 51, Tennessee 8, Texas 6, Georgia 4, Michigan 3. In Arkansas it accounts for 3.3% of all 7(a) approvals.
Is ACC Capital's SBA lending rising?
Approvals in the three latest complete fiscal years total 68, against 15 in the three before: rising (+353%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error