When your business needs capital...

Let our experts provide you with the signature service we have come to be known for.

Alternative Capital Solutions is a nationally recognized leader in commercial finance. We are leading the way in commercial lending of all types, including Commercial Real Estate Loans, Bridge and Hard Money Loans, SBA Financing, Business Acquisition Financing, Hotel Financing, and more.

We work with small, medium, and large size businesses and have a broad portfolio of financial products to provide the capital our clients need. Composed of a group of certified, highly experienced finance professionals, Alternative Capital Solutions is at the forefront of the commercial finance industry.

Development Financing for Real Estate.

Business Loans with Short and Long Terms.

Growth Funding – Expansions, Acquisitions and Refinance.

Our Story.


Alternative Capital Solutions was founded by Terry Luker and Ken Collins. Their finance, sales and operational experience across multiple industries gave them a unique perspective of what is needed for business owners and commercial developers to successfully meet their funding requirements.


After attending a nationally recognized commercial finance school in New York, the partners began their journey to be among the elite financial service providers in the country. Along the way, Terry Luker led the effort to establish many relationships with commercial lending companies, venture funds and community banks. He is now considered one of the most “connected” professionals in the industry and is driven to help others succeed. 


Together with VP Jeff Luker (Terry’s son), experienced consultants and a great team of credit analysts, ACS is now recognized as an elite funding provider. Having won the NACLB Rookie of the Year Award in 2014 and the Broker of the Year Award in 2016, the ACS team has set themselves apart in the industry. When a loan proposal comes from ACS, lenders know the process and that the documents are compete, credible and the deal is structured for success.