Helping banks. Helping borrowers. Helping America.

Simple, streamlined PPP servicing for all.
Complete the sale in less than 7 days.

Our Solutions


ACAP is a champion for small businesses and a dedicated partner to the lenders who finance their futures. Our goal is to elevate American banks and entrepreneurs by providing seamless PPP loan servicing and ensuring equity through continued collaboration with the SBA. Utilizing our deep understanding of PPP, we aim to advance positive change for the future. It’s the right thing to do.

About Us

Services + Solutions

ACAP is focused on the survival of our nation’s nearly 32 million small businesses through expert loan servicing. To provide additional clarity and strength for those in need, we are also able to provide select non-banking small business solutions to support business owners. We’re in this together, and with you all the way.

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PPP Loan Servicing

ACAP consists of veteran SBA lenders, with a deep understanding and experience in SBA and PPP loan originations. We are proud to be one of the largest non-bank SBA approved loan servicing entities in the US.

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Traditional Loan Servicing

ACAP services loans

We assist our banking partners in the lending industry so they realize their optimal loan performance through acquisition of select loans and portfolios. For borrowers, we ensure a seamless loan servicing experience, united through efficient systems.

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Future Services

Small Business Solutions

In addition to loan financing and servicing, we can help you provide more extensive services to your banking customers with one-stop shopping. Our small business support services include:

Insurance Services & Products
Non-bank Financial Services
Legal and Intellectual Property Services
Small Business Software Products


Ready for PPP Forgiveness? How to Protect Your PPP Borrowers.

You’ve originated PPP loans, but there is still much to do. You know it’s time to maximize PPP forgiveness opportunity for your borrowers – but how? In just three steps, lenders like you are liberating themselves from the PPP servicing and forgiveness process and getting back to banking.


More banks opt to sell PPP loans as heavy lifting nears

More and more banks are eager to unload their Paycheck Protection Program loans — and some nonbanks are more than happy to take them off their hands.

The Loan Source, a nonbank small-business lender in New York, said it has acquired more than 20,000 PPP loans, with more than $2.9 billion in outstanding balances, in recent weeks. The company, which has finalized deals with 14 lenders, has more in the works.


Credit unions capitalize on PPP loan sell-off trend

A Nevada credit union has joined the ranks of Paycheck Protection Program lenders who have opted to sell their portfolios.

Greater Nevada Credit Union in Carson City has sold “substantially all” of its $556 million PPP portfolio to Fountainhead Commercial Capital in Lake Mary, Fla., Fountainhead CEO Chris Hurn said Monday in an interview. The $1.1 billion-asset Greater Nevada did not disclose sale terms.


“ [Northeast Bank] decided to sell the bank’s PPP loans out of concern about the requirements to properly service the loans and handle the forgiveness process, pointing to the government’s ever-changing rules. The bank has a deep relationship with The Loan Source group, providing comfort that its PPP borrowers will continue to receive solid customer service. The bank considered a technology purchase to handle the process but ultimately thought the risks of keeping the process in-house outweighed the benefits.”

Northeast Bank, Rick Wayne, President and CEO