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Access to Capital for Entrepreneurs Inc

CLEVELAND, GA EIN: 58-2383669 Website

SEE SCHEDULE OACCESS TO CAPITAL FOR ENTREPRENEURS, INC. (ACE), IS A NONPROFIT ORGANIZATION THAT PROVIDES LOANS TO START AND GROW BUSINESSES. ACE IS THE LARGEST GEORGIA-BASED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) FOCUSED ON SMALL BUSINESSES. FOUNDED IN 2000 WITH A $50,000 GRANT TO SERVE FOUR NORTH GEORGIA COUNTIES, ACE WAS CERTIFIED AS A CDFI IN 2004. ACE HAS SIGNIFICANTLY EXPANDED ITS REACH AND IMPACT OVER THE YEARS, WITH OFFICES IN ATLANTA, TIFTON SOUTHWEST GEORGIA)AND CLEVELAND (NORTH GEORGIA), ALONG WITH WOMEN'S BUSINESS CENTERS IN NORCROSS (METRO-ATLANTA) AND SAVANNAH. ACE'S MISSION IS TO HELP SMALL BUSINESSES GROW BY REMOVING BARRIERS TO ACCESSING CAPITAL. ACE OFFERS ITS BORROWERS BUSINESS DEVELOPMENT RESOURCES TO CREATE FINANCIALLY AND ENVIRONMENTALLY SUSTAINABLE BUSINESSES. SINCE ITS INCEPTION, ACE HAS PROVIDED OVER $246 MILLION IN LOANS TO 2,800 SMALL BUSINESSES, CREATING OR RETAINING MORE THAN 22,000 JOBS.

Financial Overview

From 2024 IRS Form 990-PF · View filing

Total Assets

$134.3M

+10.8% YoY

Revenue

$25.0M

-7.2% YoY

Net Investment Income

$2.1M

+49.8% YoY

Expenses

$15.4M

+12.1% YoY

About Access to Capital for Entrepreneurs Inc

Based on IRS filings

Access to Capital for Entrepreneurs Inc is a nonprofit organization focused on Community Improvement & Capacity Building, based in CLEVELAND, GA. IRS filing data is available from 2020 through 2024. As of 2024, the organization holds $134.3M in total assets. Net investment income was $2.1M.

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Geographic Focus

Where this funder awards grants

Grant Distribution by State

1states

States

Cities

Atlanta

Financial History

Multi-year comparison from IRS filings

Revenue
Expenses
Qualifying Distributions
Net Investment Income
$0$7M$15M$22M$30M20202021202220232024
Metric202420232022
Total Assets$134,325,923$121,181,835$106,342,633
Revenue$25,034,907$26,987,407$13,820,713
Expenses$15,384,994$13,729,086$7,021,021
Qualifying Distributions
Net Investment Income$2,112,672$1,410,191$231,739
Distributable Amount

Giving Over Time

Total grant dollars and number of grants per year

$0$25K$50K$75K$100K0 grants20201 grants20210 grants20220 grants20230 grants2024

Grant Insights

How this funder distributes its grants

Top Recipients

Top 0 recipients in 2024

Grant Size Distribution

1 grants across all recorded years

<$50K$50–100K1$100–250K$250–500K$500K–1M$1–5M$5M+

Giving History

Grant recipients and amounts by year

No grants recorded for .

Leadership & Key People

Officers and directors from IRS filings

Compensation Overview

From 2024 IRS filing

GRACE C FRICKSPRESIDENT & CEO$531KSHANON STEWARTCHIEF CREDIT OFFICER$215KSANDRA HEADLEYVICE PRESIDENT$177KMARTINA EDWARDSCHIEF OF STRATEGIC PARTNERSH…$176KRAYNARD CLAYDIRECTOR OF LENDING$170KRAY PENNIEPRESIDENT OF BUSINESS DEVELO…$169KBOB GALLAGHERCHIEF FINANCIAL OFFICER$124K

From 2024 filing

NameTitleHoursCompensation
BILL ZAWROTNYBOARD CHAIR5
SIBYL SLADEVICE CHAIR5
GRACE LOPEZ-WILLIAMSTREASURER & FINANCE COMMITTEE CHAIR5
DALE ROYALSECRETARY5
MIGUEL ALANDETEBOARD MEMBER & LOAN COMMITTEE CHAIR5
MATT BOZZELLIIMMEDIATE PAST BOARD CHAIR5
MARY KEPLERBOARD MEMBER5
MARVIN LIMBOARD MEMBER5
HOLLIS LINGINFLETERBOARD MEMBER & INVESTMENT COMM.CHAIR5
STEPHANIE MARTINBOARD MEMBER5
CARLOS MATABOARD MEMBER5
CANDY MOOREBOARD MEMBER5
COURTNEY SMITHBOARD MEMBER5
GRACE C FRICKSPRESIDENT & CEO40$531,104
BOB GALLAGHERCHIEF FINANCIAL OFFICER40$124,275
SHANON STEWARTCHIEF CREDIT OFFICER40$215,310
MARTINA EDWARDSCHIEF OF STRATEGIC PARTNERSHIPS40$175,659
SANDRA HEADLEYVICE PRESIDENT40$176,684
RAYNARD CLAYDIRECTOR OF LENDING40$169,503
RAY PENNIEPRESIDENT OF BUSINESS DEVELOPMENT40$169,294

Subject Areas

Focus areas based on grantmaking activity

Related Funders

Similar funders by location and focus area

Data last updated April 2026. Sourced from IRS Form 990-PF filings.

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