ACE Staff

Grace Fricks
President and CEO

Bonnie Bowling
Chief Operations Officer
Joshua Brackett
Chief Financial Officer
Sandy Headley
Vice President


Maria Peck
Metro Atlanta Loan Officer
Courtney Lynn
North Georgia Loan Officer
Kevin McGee
Director of Business Advisory Services
Karen Davis

Healthy Food Initiative, Project Director

Karen McLain

Guy Ramos
Client Counselor
Toni Wiley
Loan Operations Assistant

Candace Thomas
Executive Assistant to the President
Candace McClure
Administrative Assistant
Jared Arrant
Loan Staff
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ACE to hold Business Basics Seminar
ACE is hosting a Business Basics Seminar, an opportunity for start-ups or newly formed businesses to receive a basic overview of key business principles, on May 23, 2013. The Business Basics Seminar will be held in Atlanta at the Dennard Conference Center on the campus of Atlanta Technical College.


The conference is targeted to start-ups and early stage businesses but is open to anyone who would like to attend. Please help ACE publicize this event by sharing with small businesses and entrepreneurs that you think could benefit from the seminar.

There is no cost to attend. To register for the seminar, please visit .


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 Red Coat Services banishes pests with green technology and help from four-legged employee


Sade has an excellent sniffer and 
work ethic


Until recently, bedbugs were largely an unpleasant relic of a bygone era, but increased global travel and pesticide resistance have reintroduced to them public areas and, increasingly, private homes.


Fortunately, Sade is on the job - and on point. This lovable and highly trained beagle mix is a detection dog for the pests, which her owner and boss, Ashley Marratt uses to locate insects.

Marratt had worked with service dogs since 2000, training them to sniff out drugs, explosives, firearms, and other contraband. When widespread bedbug infestations started making news in recent years, she realized another skill set of her four-legged colleagues: insect detection. 

In 2004, she and her husband, John Marratt, a former environmental remediator, launched The Bed Bug Answer, and then last year, changed the Atlanta company's name to Red Coat Services.  


"My original plan was to stick with detection only," Ashley Marratt says, "but we like to solve problems. It bothered us to tell someone 'you have bedbugs' without offering a ready solution - we're problem solvers by nature."


The solution came in the form of cutting-edge equipment that provides environmentally friendly heat radiation. The Marratts used assistance from ACE to add this technology and service to their company.

"Consumers and businesses alike do not have the real information when it comes to bed bugs," Marratt says. "General pest control aggravates the problem with pesticides and DIY methods are useless to fully eliminate a problem. We don't use a sprayer or toxic chemicals - just heat, so our work is 'green,' and it's guaranteed to work."

Red Coat is Georgia's only specialized bed bug extermination company utilizing dog detection and green heat remediation. Plus, clients like to pet and work with Sade, who has proved herself a smart and industrious employee for Red Coat Services.


DeVille helps seniors and their families
feel 'Right at Home'

Jay DeVille was seeking financing to purchase an automobile and for marketing expenses to expand his business, Right at Home of Northwest Georgia. His credit was stretched thin from the start-up of the company. His bank, at the time, was not interested in loaning additional funds. ACE, however, provided the financing needed to grow his business.


Jay DeVille

DeVille worked in banking for 20 years, first as an analyst, then as a commercial lender, and finally as a regional executive. When his mother began dealing with medical issues related to the aging process, DeVille felt moved to help other families with the care of their parents. He had two worthwhile missions: to help senior adults and to provide meaningful employment for caring individuals. Right At Home of Northwest Georgia is enabling him to fulfill those dreams.


Right at Home of Northwest Georgia has been providing in-home living and companion services since 2005. The company offers assistance for a variety of daily activities including light housekeeping, medication reminders, meal preparation, laundry, errands, shopping, transportation, and other needs that arise for families caring for their loved ones. 


With the help of an ACE loan, DeVille expanded his business, which now employs more than 100 people. DeVille was awarded the 2012 Small Business of the Year by the Greater Rome Chamber of Commerce. 


Right at Home of Northwest Georgia is located on John Davenport Drive in Rome. 


The Right at Home Senior Softball Team,  
wearing their 'game faces'




ACE presenting at HOPE Financial Dignity Center, honoring the little-known banking legacy of Atlanta's civil rights icons
Maria Peck and John Hope
ACE Small Business Loan Officer Maria Peck with John Hope Bryant, founder of Operation HOPE.

Maria Peck, ACE Loan Officer, has been invited by the HOPE Financial Dignity Center to present at its 12-week HOPE Small Business Empowerment Program. The program is designed for aspiring entrepreneurs from low-wealth neighborhoods and combines business training and financial counseling with lending services. Maria's portion of the program, scheduled for July 9, will focus on how existing and start-up businesses can access capital, the "do's and don'ts" of a loan request, and understanding cash-flow and collateral.


ACE also recently attended the much anticipated HOPE Forum: America on RESET, The Future of Banking and What Comes Next for You? with guest presenters Comptroller Thomas Curry, Office of the Comptroller of the Currency, Ambassador Andrew Young and moderator John Hope Bryant. The forum was an inspirational discussion about the future of economic empowerment and was held on the 50th anniversary of Martin Luther King's "Letter from Birmingham Jail."


Operation HOPE operates the HOPE Financial Dignity Center Atlanta at Ebenezer Church, located on the campus of the King Center. Martin Luther King Sr. co-pastored Ebenezer Church with his son Dr. Martin Luther King Jr.. during the civil rights movement, and served on the board of a bank for 40 years. Daddy King, as he was known, was also focused on making free enterprise work for all, as his son was focused on poverty eradication and economic justice.

 Staffer Jared Arrant earns high marks  
Jared Arrant is an asset to ACE, and an academic standout
Kudos to our energetic staff member and star student, Jared Arrant, who won the Management Excellence Award at the Mike Cottrell School of Business at the University of North Georgia. This award goes to the senior management major with the highest GPA. 

ACE appreciates the sharp analytical skills and high-energy work ethic he brings to the office, and we are extremely proud of his academic success.


SBA to hold free conference on 

private/public collaboration to help you get the tools and resources for small businesses

The U.S. Small Business Administration (SBA) has recently launched the American Supplier Initiative (ASI): a federal government-wide initiative designed to increase government and commercial supply chain opportunities for small firms. The SBA is kicking off this initiative in Atlanta, a regional hub for large corporations, federal agencies and small business suppliers. This  informative event, called "Connect Atlanta," is scheduled for May 20, from 10 a.m. to 5:30 p.m at the Martin Luther King Jr. Federal Building at 77 Forsyth Street. 

As a part of the American Supplier Initiative, the SBA is holding a series of supply chain events, in collaboration with federal agencies and private companies, throughout the country, to provide the tools and resources needed for small businesses to become effective suppliers. This will help connect small businesses with federal and commercial supply chain opportunities and banks through matchmaking.

This project is important because small businesses who are suppliers to large corporations reported revenue growth of more than 250 percent and employment increased by more than 150 percent on average. Registration is required, but there is no cost to participate. To register go to

Board Member Hodgson honored in POW! Awards for 'purposeful women'

Lara Hodgson
Lara Hodgson has served in executive management roles for several companies.

Congratulations to ACE Board Member, Lara Hodgson, who was selected for the 2013 POW! Awards: Honoring Purposeful Women. Lara, President and CEO of Nowaccount, is recognized for her extensive and varied work experience and leadership. She has launched product and service businesses, raised capital and served in executive management roles with a variety of  companies, including Nourish, a brand of patented ready-to-serve baby bottles and spill-proof bottled waters for kids. ACE is grateful for her vision and expertise.

 ACE welcomes new Board Members 

ACE is excited to welcome two new Board Members who will use their experience and vision to help us grow and succeed in our mission: Matthew Bozzelli, an attorney with King & Spalding's Corporate Group in Atlanta, and Sibyl Slade, Senior Regional Community Development Manager, Federal Reserve Bank of Atlanta Community & Economic Group.

Bozzelli advises public company clients on a variety of SEC reporting, corporate governance and disclosure matters and he is a counselor to public company boards.  He represents issuers and
Matthew Bozelli
Matt Bozzelli, ACE Board Member
underwriters in a range of corporate finance transactions and securities matters including public and private securities offerings.   Bozzelli received his Bachelor of Business Administration degree, cum laude, from the University of Notre Dame in 1999.  Bozzelli received his J.D., cum laude, from Notre Dame Law School in 2002.  He also is a frequent author and speaker on the areas of corporate governance, public company disclosure and transactional matters.  Bozzelli is also a former director and vice chairman of the Georgia Micro Enterprise Network.

Slade, as Senior Regional Community Development Manager, is responsible for promoting collaborations among local banks, government entities, community groups, and universities, to foster sustainable community and economic development within the states of Georgia and Alabama. She began her career at the Federal
Sybil Slade
Sibyl Slade, ACE Board Member
Reserve Bank of Atlanta in 1993 and during her tenure she served as a Community Affairs Analyst prior to serving as a Regional Community Development Manager. In this capacity, she lends her community development expertise to a variety of banking, community, civic, government, and educational organizations. Slade is a founding member of the National Coalition of 100 Black Women, Northwest Georgia, Inc. Slade has received Congressional Recognition from the fourth, fifth, and thirteenth districts of Georgia for her dedication to resolving unnecessary foreclosures. Slade received her Bachelor of Science in planning and economic development from Georgia State University.
ACE Loans is an equal opportunity lender, provider and employer.