Dedicated SBA Lenders

Welcome to America’s Capital.

We’re glad you’re here. Starting, running, or expanding a business takes some real grit and the right financing partner. Our team brings over a century of combined SBA lending experience to the table, and we’re dedicated to your success long after the funds hit your account.

Let’s Talk Meet the Team

SBA 7(a)
Program: $5,000,000
Loans up to: 100+ years
Combined experience

Intro to SBA 7(a) loans

The fundamentals of SBA 7(a) loans

Think of an SBA 7(a) loan as an engine to drive your business. It’s a government-backed option designed specifically for independent companies that need competitive terms and capital to grow.

To be eligible, there are a few initial qualifications

For-Profit Operations: Your company must operate as a registered, for-profit business in good standing.
U.S. Location: Physical operations are inside the United States or its territories.
Personal Guarantee: Key owners holding a 20% or greater stake must back the loan personally.
U.S. Citizenship: All direct & indirect owners must be U.S. Citizens or U.S. Nationals with principal residence in the United States, its territories or possessions.
Loan Amounts: Up to $5,000,000.

This is where we start. And from here, we will work alongside you to figure out the best approach.

How small businesses benefit

Capital to match your ambition

When opening a second location, initial setup costs can feel heavy. When sales projections are climbing, you need inventory. Or maybe you’re eyeing an acquisition to double your footprint. An SBA 7(a) loan can provide the capital to make those moves without draining your operational bank account.

Longer repayment terms

Spreading payments out over years keeps your monthly overhead predictable.

All-in-one financing

You can combine real estate, buildouts, inventory, and equipment under a single, manageable loan structure.

Preserved working capital

Lower monthly payments leave more cash in your hands for daily operational needs.

Accessible funding

SBA financing offers solutions that may not be available through conventional lending.

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Leadership

Meet the team

Over a century of combined SBA lending experience, and the people who will see your application through from first call to post-funding.

George
Adondakis

President

George Adondakis is President of America’s Capital SBA, an SBA 7(a) lending subsidiary of VFI Corporate Finance, where he also serves as Senior Vice President and Legal Counsel. He coordinated VFI’s successful effort to obtain a Small Business Lending Company license, receiving SBA approval in July 2026 and closing the license in August 2026.

Prior to joining ACSBA, George spent more than 20 years with Nicholas & Company, ultimately serving as President and Chief Operating Officer with full P&L responsibility for an approximately $800 million food service distribution business. During his tenure, he helped guide the company’s growth from approximately $220 million to $800 million in revenue and held leadership responsibilities over sales, procurement, operations, finance, human resources, legal and risk management. George earned his J.D. from the University of Washington School of Law and a B.A. from the University of Utah.

Pamela
Frie

Director of Government Guaranteed Lending

973-722-8908 pfrie@acsba.com

Pamela Frie is our Director of Government Guaranteed Lending. Her SBA experience and dedication span over 26 years and cover almost all roles and aspects of the SBA lending program. Having worked for top-ranking national SBA lenders as well as smaller regional SBA lenders, Pamela has helped countless small business owners obtain SBA financing to start, acquire or expand their businesses, so she understands the need for clarity and efficiency in the SBA loan process. Pamela and the America’s Capital SBA team are excited to provide best-in-class service to our local and national SBA lending clients.

Trevor
Pierson

SBA Sales Manager

801-368-1265 tpierson@acsba.com

Trevor Pierson is a dedicated SBA lending professional and sales leader specializing in business acquisitions and owner-occupied commercial real estate financing. Throughout his career, he has helped clients secure financing for a diverse range of industries while working on high-performing SBA sales teams focused on delivering exceptional client experiences and consistent results. Trevor’s expertise lies in structuring complex transactions that create pathways to approval and growth.

Joseph
Warren

Business Development Officer

315-857-3749 jwarren@acsba.com

Joseph Warren serves as a Business Development Officer at America’s Capital SBA, helping entrepreneurs and business owners access the capital they need to grow and succeed. With over a decade of experience in borrower guidance, relationship management, and SBA lending, he specializes in developing customized financing solutions and building long-term partnerships. Joseph is known for his client-first approach, industry expertise, and dedication to helping businesses achieve their goals.

About us

Championing your business

We like helping business owners achieve their vision. When you work with America’s Capital, you can expect personal engagement and a long-term relationship.

1:1 Collaboration: Work directly with specialists who take the time to learn your business operations inside and out.
100 Combined Years of Know-How: SBA rules can feel dense. We’ll help you navigate the requirements, and you’ll always know where your application stands.
Creative Structuring: Every business is unique. We design loan structures that fit your operations and long-term goals.
Post-Funding Support: When questions come up, even after funding, we’ll be here to help.