AmPac is a direct SBA micro lender, providing loans to up to $50,000 for business owners for general working capital for hiring new employees to purchase furniture and fixtures, equipment, inventory, supplies and related business growth needs.


AmPac is a Community Advantage Associate, working with multiple Community Advantage lenders to package the SBA Community Advantage loan to support business growth with capital up to $250,000.

The Lowest-Cost Working Capital Loans under $250,000

The Community Advantage Loan Program is a loan program that allows businesses to build success in underserved markets, such as businesses who:

•  have limited financial resources;

•  are located in an underserved community;

•  need management and technical assistance;

•  are start-ups and in business less than three years; and

•  are interested in opportunities for growth.

Learn more about the SBA Micro Loan program

Community Advantage is an excellent loan choice for new and existing businesses that need between $50,000 and $250,000 in business capital. The loan can be used to start or expand your business. The SBA guarantees a portion of each loan. This makes it possible to extend financing that may not be available through banks. Applicants must show their ability to repay the full loan amount and meet other guidelines to be eligible for a Community Advantage loan.

Terms and Conditions

Maximum Loan Amount $250,000
Maximum Interest Rate Prime + 2.75 to 6%, variable
Terms 25 years for Real Estate7-10 years for working capital, inventory, business acquisitions, tenant improvements, and start-up expenses
Percent of Guaranty 85% guaranty for loans of $150,000 or less
75% guaranty for loans of $150,000 or more
Maturity Generally depends on borrower repayment ability. Maximum 10 years for working capital; and up to 25 years/or life of the asset for fixed asset purchase or refinance.
Use of Proceeds Loans may not be used for revolving lines of credit, otherwise funds may be used for any normal business purpose, except those specifically prohibited by Small Business Administration (SBA).

Much of above content borrowed from SBA resources.

Ready to get started?

Call us at (909) 915-1706 or apply now to take advantage of our low, low rates!