Services - AOCBA Capital Group
AOCBA CAPITAL GROUP
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Our Services

Connecting capital with opportunity. Empowering entrepreneurs, investors, and communities.

Explore Our Services

Our Services

Comprehensive financial solutions for all participants in the entrepreneurial ecosystem

For Borrowers

Access capital to start or grow your business with competitive rates and flexible terms designed for entrepreneurs.

Apply for Funding

For Lenders

Earn competitive returns while supporting small business growth in underserved communities.

Become a Lender

For Partners

Collaborate with us to expand your impact and support entrepreneurship in your community.

Partner With Us

For Donors

Support our mission through charitable contributions that fund grants for promising entrepreneurs.

Make a Donation

Our Process

Streamlined, transparent processes for all participants

1

Application

Complete our online application with details about your business and funding needs.

2

Review

Our team evaluates your application based on business viability and community impact.

3

Approval

Receive funding decision and terms for your loan or grant.

4

Funding

Access your capital and begin implementing your business growth plans.

1

Register

Create your lender account and complete the accreditation verification process.

2

Select

Browse vetted entrepreneur profiles and select those you wish to fund.

3

Fund

Transfer funds and execute promissory note agreements with selected borrowers.

4

Earn

Receive monthly interest payments and track your portfolio performance.

1

Connect

Reach out to discuss potential collaboration opportunities.

2

Align

Identify shared goals and develop a partnership framework.

3

Execute

Formalize partnership agreement and launch collaborative initiatives.

4

Grow

Measure impact and expand partnership based on results.

1

Learn

Understand how your donation supports entrepreneurs in underserved communities.

2

Choose

Select your donation amount and whether to support specific entrepreneur categories.

3

Donate

Make your tax-deductible contribution through our secure portal.

4

Impact

Receive updates on the entrepreneurs and communities your donation supports.

Competitive Rates & APY

Transparent, competitive rates for both borrowers and lenders

For Borrowers

Business Loans 15% - 29% APR
Microloans (<$25k) 15% - 25% APR
Grants Available 0% APR
Loan Terms 1-5 Years

For Lenders

Promissory Notes 10% APY
Minimum Investment $500
Term 5 Years
Payouts Monthly

Security & Protection

Comprehensive measures to protect all parties

Note Agreements

Legally binding promissory notes outline all terms, repayment schedules, and obligations for both borrowers and lenders.

View Sample Agreement

Collateral

Business assets may serve as collateral for larger loans, providing additional security for lenders.

Learn About Collateral

Lending Security

Robust underwriting processes, borrower verification, and portfolio diversification protect lender investments.

Security Details

Understanding Risks

Transparent disclosure of potential investment risks

Important Risk Considerations

  • Default Risk: Borrowers may fail to repay loans, resulting in potential loss of principal
  • Illiquidity: Investments are typically not readily convertible to cash before maturity
  • Economic Conditions: Recession or economic downturns may impact borrower repayment ability
  • Business Risk: Small businesses face higher failure rates than established corporations
  • Regulatory Changes: Evolving financial regulations could impact lending operations
  • Concentration Risk: Portfolio concentration in specific sectors or geographies

Ready to Get Started?

Join our community of entrepreneurs, investors, and partners working together to build wealth and empower communities.

Begin Your Journey