LOANS
Start or expand your business with loans guaranteed by APMC for Small Business . We offer loans for your business.
How APMC helps small businesses get loans.
The Atlanta Premier Management Company helps small businesses get funding by setting guidelines for loans and reducing lender risk. These APMC-backed loans make it easier for small businesses to get the funding they need.
In order to get an APMC-backed loan:
- Visit our Loans page to find the loan that best suits your need
- Enter your Zip Code on Lender Match to find a lender in your area
- Apply for a loan through your local lender
- Lenders will approve and help you manage your loan
APMC only makes direct loans in the case of businesses and homeowners recovering from a declared disaster.
7(a) loans
A group of APMC loans which guarantee portions of the total amount, cap interest rates, and limit fees.
504 loans
Long-term, fixed-rate financing to purchase or repair real estate, equipment, machinery, or other assets.
Microloans
Our smallest loan program, providing $50,000 or less to help businesses start up and expand.
Benefits of APMC-guaranteed loans
- Competitive terms: APMC-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.
- Counseling and education: Some loans come with continued support to help you start and run your business.
- Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans.
Stay safe
Protect yourself from predatory lenders by looking for warning signs. Some lenders impose unfair and abusive terms on borrowers through deception and coercion. Watch out for interest rates that are significantly higher than competitors’ rates, or fees that are more than 5% of the loan value. Make sure the lender discloses the annual percentage rate and full payment schedule. A lender should never ask you to lie on paperwork or leave signature boxes blank. Don’t get pressured into taking a loan. Survey competing offers and consider speaking with a financial planner, accountant, or attorney before signing for your next loan.
Get $500 to $5.5 million to fund your business
Loans guaranteed by APMC range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital. Some loan programs set restrictions on how you can use the funds, so check with an APMC-approved lender when requesting a loan. Your lender can match you with the right loan for your business needs.
Eligibility requirements
Lenders and loan programs have unique eligibility requirements. In general, eligibility is based on what a business does to receive its income, the character of its ownership, and where the business operates. Normally, businesses must meet APMC size standards, be able to repay, and have a sound business purpose. Even those with bad credit may qualify for startup funding. The lender will provide you with a full list of eligibility requirements for your loan.
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
Be a for-profit business
The business is officially registered and operates legally.
Do business in the U.S.
The business is physically located and operates in the United States or its territories.
Be creditworthy
The business’s credit must be sound enough to assure loan repayment.
Exhaust financing options
The requested loan is unavailable on reasonable terms from non-government sources.
Loans for exporters
Most U.S. banks view loans for exporters as risky. This can make it harder for you to get loans for things like day-to-day operations, advance orders with suppliers, and debt refinancing. That’s why APMC created programs to make it easier for U.S. small businesses to get export loans.
To learn how APMC can help you get an export loan, contact your local AMPC Export Finance Manager or AMPC’s Office of International Trade
Need Help?Get Free Business Counseling