Alc-logo-with-strokeAmerican Lending Center (ALC), formerly known as US Employment Development Lending Center (USEDLC), was registered in California in June 2009 by CEO John Shen. It was designated by USCIS as a regional center on April 12, 2010, and obtained a California finance lending license in November of the same year. ALC began raising EB-5 capital as a quasi-bank for investment in SBA 504 loan projects with direct participation and injection from the U.S. SBA.

ALC is the first regional center in the U.S. to register Form D with the U.S. Securities and Exchange Commission (SEC), and the only regional center in the U.S. to hold both Finance Lender license and Investment Advisor license. ALC has since achieved 100% SEC compliance.

In January 2013, the regional center’s board of directors completed the company’s restructuring and established Regional Centers Holding Group (RCH) with ALC as the group’s first regional center. As of April 2017, RCH has successfully funded over 60 SBA 504 projects with EB-5 funds , becoming the largest non-bank SBA 504 lending institution, and helping numerous immigration investors to obtain permanent residency in the U.S.

The EB-5 investors who received their I-829 approvals have also had their EB-5 investment returned.

Unlike banks and conventional lenders, we welcome ground-up construction projects and other complex transactions. We have the ability and expertise to understand and address complex issues that may dissuade other lenders and to effectively mitigate risk and craft creative deal structures for unconventional transactions.

The advantages and features of our regional center are:

  • Direct U.S. federal government risk control and injection
  • “Completion Commitment” ensures 100% construction completion
  • Third party capital supervision eliminates fund misuse through institutional methodology
  • Construction completion combined with completion commitment ensures job creation
  • Recovery and exit mechanism, first lien position, double fixed asset collateral
  • Investments qualify as standard financial products, can be liquidated quickly

Our capital solutions include the following financial products:

SBA 504 Loans/SBA 7(a) Loans: ALC provides up to 90% Loan-to-Cost financing to business owners, for the acquisition or construction of commercial real estate and other fixed assets.

SBA 504 Interim Loans: ALC provides short-term, second mortgage/deed of trust interim loans, to bridge the gap between the initial SBA 504 closing and SBA debenture funding including construction.

USDA Loans: ALC provides loans to approved rural businesses that are typically used for job-creating activities such as construction and development to promote economic development and create jobs in rural areas.

PACE Loans: ALC provides loans to PACE projects. Property Assessed Clean Energy (“PACE”) is an innovative financing structure for owners of commercial, industrial, and other non-residential properties to obtain low-cost, long-term financing for energy efficient and renewable energy projects.