The ACC Capital is a business loan from ACC Capital. Typical credit limit: $50,000 - $5,000,000. Loan terms: Commercial Real Estate: up to 25 years; Working Capital: generally up to 10 years, depending on repayment ability; Machinery & Equipment: based on useful life of the asset; Tenant Improvements: 10 years; Business Acquisitions (no real estate): 10 years; Fully Amortized.