The ACC Capital is a business loan from ACC Capital. The ongoing APR is SBA 504 Fixed Rates 25-Year Fixed 6.743% 20-Year Fixed 6.729% 10-Year Fixed 5.904%. Typical credit limit: $250,000 - $12,000,000. Loan terms: CRC (2nd loan) – 10 years for most equipment and up to 25 years for commercial real estate. Loans are fully amortizing meaning there is no ballon payment at maturity..