Startup Loans

Up to 75% of Startup Cost

One of the biggest challenges you’ll face as a new startup is getting enough capital to get your business off the ground. Our staff is experienced in the business startup process and can assist you along the way.

Planning Assistance

All Types of Business

Inquire Now

Note that an inquiry is not an application. After you submit your inquiry, a loan officer will contact you (within two business days) to help you begin the application process.

Get Started

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Here’s what you’re going to need before you get started:

  • Personal Financial Statement
  • Business plan – See Resources
  • Three years of cash flow projections (1st year month-by-month) – Download Template
  • Three years of personal tax returns (only Federal Return)
  • Two months of personal bank statements
  • Minimum investment of at least 25% by the new owner
  • Minimum five years of industry management or ownership experience

After you’ve gathered this information, click the button below to begin our online application.


To get started, fill out and submit the enterprise loan application form and your personal financial statement. You MUST physically submit these completed paper documents to Access Plus Capital to get started; there is no online version of these forms.

The loan process timeline primarily depends on how quickly you submit your follow-up documentation (detailed below) during the loan process. It also depends on our ability to verify your credit and documentation and to schedule your application for final review. The Access Plus Capital loan committee meets every three weeks, so you may need to wait some time between submitting your additional information and a final decision on your loan.

After you submit your initial application and personal financial statement, we verify your credit and application for pre-approval. We then ask you to submit the additional documentation listed below.

After you submit those documents, we move forward with underwriting and submit your completed application packet to our loan committee. At their next meeting, the loan committee will make a final decision on your loan.

If approved, we will verify and secure your collateral, conduct appraisals and environmental studies if necessary, and close on your loan. After you close on your loan, we may require you to submit invoices for related payments made to third-party vendors, so we can make disbursements to both you and those vendors.

In addition to your initial application, you must provide:

  • Three years worth of tax returns, including your business returns and personal returns for all owners with more than 20% of a stake in the business.
  • An interim profit and loss statement.
  • Your current balance sheet.
  • Two months worth of bank statements.
  • An account receivable aging report (if applicable).
  • A work-in-progress report (if applicable).
  • A lease agreement.

We require that you set up automatic debit through your business bank account to pay back your loan.

Ready to Start?

First, submit some basic information. Then, we’ll help you start the application process.