Terms and Conditions 

Who we are

Our website address is https://americancapitalconsulting.com.

Originally Published Nov. 3, 2019, Last updated Nov. 28, 2023


American Capital Consulting (AKA “ACC”) (“we” or “us” or “our”) respects the privacy of our clients and users (“user” or “you”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, including any other media form, media channel, mobile website, or mobile Application related or connected to it (collectively, the “Site”). Please read this privacy policy and terms of use for our site and services carefully. If you disagree with the terms of this privacy policy, please do not access the site.

Terms and Conditions 

Although most changes are likely minor, this website may change its Privacy Policy occasionally and at our sole discretion. We encourage visitors to frequently check this page for any changes to its Terms and Conditions and Privacy Policy. Your continued use of this site after any change will constitute your acceptance of such change. We will alert you about any changes by updating this Privacy Policy’s “Last Updated” date. Any changes or modifications will be effective immediately upon posting the updated Terms and Conditions and Privacy Policy on the Site, and you waive the right to receive specific notice of each such change or modification.


We are a for-profit entity and advise small business owners on loan packaging and optimizing their application process for business loans and grants. There are fees to engage with our industry experts, and if you are unsure of the services, we recommend you schedule a complimentary discovery call with our sales team to learn more. To qualify for our service guarantee, you must be responsive and commit to the additional management fee described below.



American Capital Consulting uses experts to run our background reports, check for grants and programs, and provide recommendations. We are here to help you with your loan package to improve your chances for business funding. Fees are non-refundable after 24 hours or work has started, whichever is first. Please ensure timely responses so our team has all the information required to complete your Application. 

To expedite your loan packaging process, we will promptly complete your SBA and other loan and grant applications. You also agree to allow ACC to act as your proxy in getting background information and data to expedite and apply to business funding programs. Sign off on all US SBA loan application certifications and agreements for disaster loans and grants as agreed. 




I certify my consent for American Capital Consulting (ACC) to represent me in my loan documentation and loan packaging for business funding. 

  • I agree to sign off on all US SBA certifications and agreements for small business loans, disaster loans, and small business grants.
  • To the best of my knowledge, I certify UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES that the above is true and correct.

Once the engagement between the client and ACC starts, I, at this moment, understand and authorize my payments in the amounts starting at $150 USD and various packages ranging through $2,500 USD plus 1.5% for filing my loan and/or grant applications as per SBA or other governing allow. I acknowledge responsibility for any additional collection fees that arise from my failure to pay the above-agreed amounts. 

For business expansion loans such as the 504 or 7a, fees and expenses for these programs might qualify for a grant or waiver program. The client will notified of such fee arrangements as per the “fee disclosure compensation agreement,” the payee is responsible for any contingency fee for loan funding, which will be submitted to collections if the final payment is not settled within 30 days of client funding. 

Payment terms

Regarding the Merchant accepting the customer’s payment and other good and valuable considerations, the customer agrees that if any payment is returned unpaid, the customer expressly authorizes the Merchant or its processing agent or assignee to submit the case to collections. Fees for services and fees for collections will be charged to the client. 



ACC notified me of my right to revoke this authorization in writing by contacting support@americancapitalconsulting within 48 hours or less of submitting the request or any other ongoing services before any other services are rendered. Refunds for work completed are non-refundable. I also understand ACC will keep an electronic record of my request. I may obtain a copy of this record by contacting ACC. 

ACC is not liable for refunds (full or partial) for clients not meeting deadlines, requests for information, or documentation within a timely manner. ACC will remind clients via email, text, and/or phone to submit the requested information to move forward. Failure to provide ACC with requested information by reasonable deadlines will result in forfeit of the fee. A client that responds after the deadlines are not guaranteed services of any kind and can be reviewed on a case-by-case basis where additional fees might be incurred if it is responsible for ACC to reopen the case. Refunds are not granted for the following reasons: 

  1. The client fails to respond to ACC information requests within the timelines provided. 
  2. The client provides inaccurate or forged information. 
  3. The client fails to follow instructions as outlined by the consultants. 
  4. The client hires another consultant for the same case/services. 
  5. The client submits misleading information to obtain funding. 
  6. The client’s other vendors or consultants fail to meet deadlines or provide the information required to move the case forward. (EX: CPA, accountant, or lawyer retained by client fails to provide the needed information or documentation). 
  7. The client fails to inform ACC of any changes in funding timelines as outlined by the SBA or financial institution. 

Scheduled consultation meetings are to be paid via our booking web application before the meeting time or risk cancelation at the discretion of ACC. Fees are non-negotiable. Learn more about our packages here


7a and other similar Loan packaging fees are charged in 48 hours or less upon receiving your request for a loan and grant consulting assistance. 

  • Consulting Calls – Start at $150 and are posted on our scheduling tools. 
  • Loan packaging and (re)packaging fees start at $2,500 USD per business and 1.5% of the total loan amount.

If you qualify for grants and other programs, we reserve the right to price additional applications accordingly and will discuss with you your options. 

Rates and fees are subject to change. ACC reserves the right to make these changes without notice. 



Failure to process the payments in the fee schedule because of a lack of funds or insufficient funds will result in collections. Stop payment and NSF and collections fees will apply if payment is not made within 10 days. The failure to pay also creates a presumption for committing an offense, and this matter may be referred for criminal prosecution. We also have the right to proceed with reporting your debt to the credit reporting agencies where it could impact your credit rating and utilizing collection services to recoup lost funds. 

Failure to make payment within 30 days after demand, the treble amount owed (three times the original amount), the amount owed, bank and court costs, reasonable attorneys’ fees (not less than $50 and no more than $2,500) will be applied to your total balance. If payment is made in 30 days, a service charge of $10 or 5% of the face amount of the check, whichever is greater, can be added. In stop payment action, reimbursement for actual travel expenses to the holder or agent for filing papers, and for traveling and providing witnesses to and from proceeding.


Choice of Law and Venue

ACC headquarters are in Ft. Meyers, Florida. All questions concerning the construction, validity, and interpretation of this Agreement shall be governed by the law of the State of Florida. Any dispute arising out of, or concerning, this Agreement or the employment relationship between the parties shall be resolved exclusively in a federal or state court of competent jurisdiction located in Florida. To the extent necessary, the parties hereby submit to and agree not to contest the jurisdiction of such courts

Please check your email for your risk assessment report from applications@americancapitalconsulting.com

For more information about our small business loan and consulting services, please be sure to check our terms and conditions, privacy policy and fee schedule. 

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