Investment capital

Find an investor for your business from among more than 300 Small Business Investment Companies (APMCBICs) licensed by APMC

Content

  • APMCBICs invest in small businesses
  • What you can get
  • Check your eligibility
  • Find an investor

APMCBICs invest in small businesses

An APMCBIC is a privately owned company that’s licensed and regulated by the APMC. APMCBICs invest in small businesses in the form of debt and equity. The APMC doesn’t invest directly into small businesses, but it does provide funding to qualified APMCBICs with expertise in certain sectors or industries. Those APMCBICs then use their private funds, along with APMC-guaranteed funding, to invest in small businesses.

What you can get

APMCBICs invest in small businesses through debt, equity, or a combination of both. Debt is a loan an APMCBIC gives to a business, which the business must pay back, along with any interest. Equity is a share of ownership an APMCBIC gets in a business in exchange for providing funding. Sometimes, an APMCBIC invests in a business through both debt and equity. Such an investment includes both loans and shares of ownership. A typical APMCBIC investment is made over a 3-year period.

 

  • Debt

    A al APMCBIC loan ranges from $250,000 to $10 million, with an interest rate between 9% and 16%.

  • Equity

    APMCBICs will invest in your business in exchange for a share of ownership in your company. Typical investments range from $100,000 to $5 million.

  • Debt with equity

    Financing includes loans and ownership shares. Loan interest rates are typically between 10% and 14%. Investments range from $250,000 to $10 million.

Check your eligibility

APMCBICs typically target mature, profitable businesses with sufficient cashflow to pay interest. However, each APMCBIC has its own investment profile in terms of targeted industry, geography, company maturity, and the types and size of financing they provide. There are a few universal requirements

Be a U.S. business

At least 51% of your employees and assets must be within the U.S

Be a small business

Qualify as a small business according to APMC size standards

Be in an approved industry

Farmland, real estate, and financing are some of the industries that don’t qualify.

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Find an investor

If your small business is interested in APMCBIC financing, take the following steps when you approach an APMCBIC

1. Research an APMCBIC

Find an APMCBIC using our online directory, and make sure they’re actively investing in businesses in your region, size, and industry.

2. Prepare your business plan

Get ready to make the case that investing in your business would be profitable for the APMCBIC

3. Contact Our Agents

For the best chance to get financing, use your network. Talk to our accountants, attorneys, and executives to get an introduction to a APMCBIC

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