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 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


Back to Business: A Final Farewell to the Paycheck Protection Program

After one year and one month, the Program that provided a lifeline for US businesses ran out of funding, and perhaps for the first time, does not appear to be returning soon.


Q&A: Lessons From a PPP Loan Buyer and Servicer

Luke LaHaie, Founder, CIO, and president of ACAP, discusses the top lessons his PPP loan buying and servicing team have learned throughout the program.


PPP Extension Further Extends Servicing Burden for Lenders

Moving the deadline forward provides applicants with numerous benefits, but it also prolongs the challenges of PPP for participating lenders.


“Many of our clients’ previous lenders are not participating in the program this round, so we’ve partnered with ACAP and The Loan Source to make the application and forgiveness process simple and straightforward. We also found many of our clients struggling to apply due to smaller lenders being overwhelmed, or larger banks segmenting clients into tiers. In cooperation with ACAP & The Loan Source, we give all our clients equal service and attention for their application.”

MZ North America – Ted Haberfield, President

“These guys have national experience as SBA lenders and a significant portfolio of PPP loans already on the books. Their online application system is really easy. So we thought it was a good option for small businesses in Kansas City.”

AltCap – Ruben Alonso, President

“The ACAP portal is one of the best services available for PPP loans, with ACAP & The Loan Source having serviced more than 35,000 PPP loans for $7.3 billion to date. This partnership provides our customers and others in our community with a more streamlined approach to PPP 2.0 application and forgiveness process. It also allows us to expand our reach to more non-WSFS customers, including those in underserved communities who struggled to gain access to PPP funds in the first round. Together with ACAP and The Loan Source, we are confident that our customers and others in our community will be best served and we will achieve extraordinary results.”

WSFS Bank – Rebecca Acevedo

“ [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