Empowering Alabama's Small Businesses Since 1989

Leading the way in long-term, fixed-rate financing solutions, we help small businesses grow and thrive with certainty, speed, and exceptional service.

Trusted By Lenders Across The Southeast

Since 1989, Alabama Small Business Capital (ASBC) has dedicated itself to the success of Alabama small businesses. As the most active lender in the Southeast, we excel at helping healthy, growing companies secure long-term, below-market, fixed-rate financing for acquiring and developing fixed assets. We also offer refinancing options for existing debt related to fixed assets.
Your Trusted Partner

Experience Unmatched Certainty, Speed, and Service

What differentiates us from other CDCs? Our three uniques!
Certainty
Speed
Service
The Team

Meet the Experts Driving Your Success

Our dedicated and experienced team is committed to supporting your business growth with personalized service and decades of expertise.

Administration

Bill Habermeyer

President & CEO

Bob Zinkil

Executive V.P & COO

Mark Mayhew

Executive V.P & Chief Lending Officer

Steve Wilson

Vice President, Portfolio Manager

Rai Donelson

Vice President, Chief Compliance Officer

Ankur Patel

Vice President, Senior Credit Officer

Mike Quant

Vice President, Credit Officer

Ryan Vucelik

Vice President, Credit Officer

Michelle Seivold

Vice President of Administration

Helen Bennett

SVP, Systems Administrator/Sr. Underwriter

Sales Team

Taylor Dobson

Vice President Business Development Officer

Board of Directors

Jeff Hunt

Board Chair

Chris Bouton

Board Member

Jason Finagan

Board Member

Angel Gonzalez

Board Member

George C. Hawkins III

Board Member

Donna Lewis

Board Member

Omar Ojeda

Board Member

Matthew Schuh

Board Member

Seabron Smith

Board Member

Avril Stinson

Board Member

Tom Ter Beek

Board Member

Harry Zuker

Board Member

How We Achieve Success

Our success is driven by innovation, excellence, integrity, and service. We continually find new ways to deliver top-tier financial solutions, uphold the highest standards, maintain honesty and transparency, and prioritize serving our clients and communities.
Testimonials

Client Successes That Speak Volumes

MW
I had the pleasure of working with Dana for over 7 years. You can't ask for a more honest, dedicated, knowledgeable and professional person working for and with you. Her work over the years has always been top notch and you can always trust on her to take care of your customers in a professional, friendly way.
Monique Walsh
SBA Lending Group
RC
My gratitude goes to Armando Martinez and the ASBC team. We recently closed on a SBA-backed commercial property structured utilizing ASBC whose discipline to their purpose, resourcefulness, and dedication provided the successful conclusion. Great to work with true professionals; highly organized, always communicative and well-connected in the industry. Thank you ASBC.
Rob Conrad
Encore Optical Laboratories
RC
I enjoy working with Daniel Martinez and his team at the Alabama Small Business Capital (ASBC). Daniel is hands on, very meticulous and responsive. Renee Madormo is a seasoned and very efficient administrator. Together they provide a customer experience to our mutual clients that is second to none. As partners, they make the application process easy for our clients from the start of the process through the closing: their turnaround time on underwriting is quick, they facilitate the communication with the SBA representatives & attorneys and ensure the deadlines for the debenture funding is on time.
Ramsey Chabbar
Bank of Tampa
DM
The 504 program was the perfect fit for Site READY to help retain our operating capital and grow our business. The ASBC team was a pleasure to work with by helping us to get approved and closed quickly. We highly recommend them for your real estate project!
Dylan McCrory
SiteREADY
JD
I like to use the 504 program when a client prefers to put less down on equipment or real estate. Part of the loan gets a great long term fixed rate and the fees can be financed. Alabama Small Business Capital has a great team from top to bottom. They are always willing to answer any questions and I trust them to speak directly to my clients. Not only do they help during the approval and closing process they are there during the servicing of the loans as well. ASBC has a very knowledgeable staff and is a great resource to answer all of my SBA 504 questions.
Jim Downey
US Ameribank

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