Partner with a Team of Passionate
Small Business Champions
15,000
jobs created and preserved
$2 Billion
in loans, empowering growth and opportunity
2,000
businesses with dedication and care
Faith-Based
SBA lender, driven by purpose and faith
Trusted by Many
AmPac Business Capital is a mission-driven lender dedicated to advancing entrepreneurial dreams through access to capital and resources that foster long-term business success. AmPac provides tailored financing solutions and support through its Community Lending Programs, SBA 504 loans, and Entrepreneur Ecosystem—guiding businesses from cradle to legacy.
Founded by Hilda Kennedy in 2005, AmPac is a private nonprofit organization headquartered in Ontario, California. As the first faith-based SBA 504 lender in the nation, AmPac was built to serve small business owners who are often overlooked by traditional lenders. Through a commitment to economic empowerment and inclusive opportunity, AmPac continues to help entrepreneurs build stronger businesses and stronger communities.
Financing Options For Entrepreneurs
SBA 504 Loans
SBA 504 Loans
With down payments as low as 10% for commercial real estate, SBA 504 loans are one of the best funding options for small businesses!
Community Lending Small Business Programs
Community Lending Small Business Programs
Built to serve small businesses at all stages, these programs fund working capital, equipment, expansion, and more, with personalized support and a mission to close the gap to growth!
Entrepreneur Ecosystem
Entrepreneur Ecosystem
Wherever you are in your small business journey, AmPac will support you in advancing your entrepreneurial dream.
Transforming Communities, Strengthening Families, & Inspiring Entrepreneurial Success
Your Vision, Our Mission
Your goals are within reach—start with the right funding options.
Own the
Space That Powers Your Business
Ready to own your own building? AmPac will help you secure your commercial property and invest in your future.
Invest
in New Equipment
Find out how financing for machinery and equipment can give your business the tools it needs to succeed.
Refinance Your Commercial Debt
Discover how AmPac can refinance your commercial debt and help you achieve your business goals.
Make Your Property Shine
Financing for tenant improvements and ground-up construction, helping businesses build or customize spaces to fit their needs.
Working Capital Under $100,000
Flexible financing for working capital, helping businesses cover day-to-day expenses and propel growth.
At The Heart Of Everything,
We Keep It Simple.
Three steps to put your business first so you can focus on your path to success, while we ensure financial hurdles don’t slow you down.
APPLICATION
AmPac, along with our bank partners (for real estate or equipment loans), meets with the business owner to get to know the business and understand its financing needs, kicking off the process by gathering key financial details.
BUSINESS REVIEW
The business owner completes a financial checklist, providing personal and business tax returns, business plans, projections, and any additional required documents to ensure a thorough review.
CLOSING
Once all company documents are in place, AmPac finalizes the process, closes the deal, and provides the funds for your business needs.
Explore Our
Entrepreneurship Ecosystem
Get plugged in to our Entrepreneurial Support Hub
The Entrepreneur Ecosystem provides access to powerful resources, tailored guidance, and a thriving community. It supports business growth through hands-on coaching and personalized technical assistance, provides co-working spaces, connects entrepreneurs with industry experts, while also hosting networking and training events designed to foster collaboration and create new opportunities.
Perks of Being a Mobile App Member
Message And Share Updates With
Over 2,500 Business Professionals
for in-person work
e-learning, and loan application support
accelerate your business journey
Powerful Partnerships, Meaningful Impact
Rooted in Shared Values
You can always count on us, walking beside you on your business journey.
Our commitment is to nurture small businesses on the path to success. With the support of our trusted partners, we provide the capital and resources you need, no matter where you are in your entrepreneurial journey.
