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


PPP fatigue? Earn referral fees and eliminate risk during PPP 2.0

Congress has passed the Emergency Coronavirus Relief Act, including a $285 billion extension to the Paycheck Protection Program.


Lenders need an experienced partner for PPP servicing

SBA-approved servicing provider advocates for small businesses through loan servicing solutions


Extension of Fed facility could spur more PPP loan sales

The Federal Reserve’s decision to extend the life of its Paycheck Protection Program Loan Facility through March should give lenders mulling the sale of PPP portfolios more time to weigh options and — potentially — strike deals. Several banks have already sold originations under the $659 billion emergency loan program for small businesses, either to free up resources or to avoid having to navigate the complicated forgiveness process. It also expedites the influx of fee income.


“ [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