Small Business Administration (SBA) Loans
We want to be your small business partner
Horizon Kidz
Growing with Purpose and Partnership
Horizon Kidz is a Christian learning center in Roanoke, Texas, offering early education services for children from infancy through elementary age. With a top-tier 4-star Texas Rising Star rating and a bilingual curriculum, Horizon Kidz is known for its commitment to excellence and community impact. Programs like Playball also support students’ physical and developmental growth.
Founder Heather Williams launched Horizon Kidz out of a passion for childhood development and a desire to serve her local community. While its growth and expansion brought challenges like economic shifts and complex city permitting, support from American National Bank & Trust made a real difference.
“ American National Bank & Trust was flexible and truly understood our journey. They weren’t just a lender—they were a partner.”
Through American National Bank & Trust’s SBA program, Horizon Kidz received critical guidance and planning support, helping position the business for future expansion across North Texas.
Her advice to fellow business owners?
“Ask questions. The SBA is full of resources and people who want to see you succeed.”
From Left to Right:
Standing: Tanner Haydin, Vice President/Commercial Lending – Roanoke Branch | Clarizza Paz, SBA Underwriter & Servicing Officer | David Green, Sr. Vice President / Director of SBA
Sitting: Heather DeHoyos-Williams, Onwer, Horizon Kidz Roanoke | Heidi Mosley, Owner, Horizon Kidz Watauga
From Left to Right: Clarizza Paz, SBA Underwriter & Servicing Officer | David Green, Sr. Vice President / Director of SBA | Joe Willard, Sr. Vice President/Commercial Lending – Flower Mound Branch | Brandon Wray, Vice President of Operations | Carolyn Wray, Accounting Manager | Perry Wray, President | Katie Wray, Vice President
Lonestar Labels
Accelerating Growth Through the Right SBA Partner
At American National Bank & Trust, we believe that small businesses thrive when they have access to not just capital, but the right guidance, speed, and partnership. Lonestar Labels, a North Texas-based label and flexible packaging company, is a perfect example of what can happen when the right support comes at the right time.
Lonestar Labels specializes in high-quality flexographic and digital printing for consumer products — from prime labels and shrink sleeves to pouches and printed films. With growing demand and a commitment to delivering consistent, on-time production, the company faced a familiar challenge: scaling quickly without compromising quality.
That’s when Lonestar turned to American National Bank & Trust’s SBA lending team.
“We were referred to American National Bank & Trust by our landlord, and from the start, the process was completely different than what we’d experienced with other banks. The SBA team at American National Bank & Trust moved quickly, understood our business, and helped us secure the funding we needed — faster than our previous bank could even complete the paperwork.”
With that funding in place, Lonestar was able to invest in new equipment, secure a major new customer, and increase sales by 50%. The speed and efficiency of American National Bank & Trust’s SBA process weren’t just a convenience — they were essential to the company’s ability to seize a growth opportunity when it mattered most.
At American National Bank & Trust, we’re proud to be that partner for Lonestar Labels — and for businesses like yours. Let’s talk about how our SBA lending team can help turn your next opportunity into a success story.
Aqualine, Inc.
Growing with Confidence Through SBA Support
When Dan Floyd saw an underserved niche in the brass products market back in 2006, he launched Aqualine, Inc., supplying irrigation, plumbing, and PVF products exclusively through distributors. As demand grew, so did the challenges, especially around cash flow and facility expansion.
Introduced to American National Bank & Trust through his contractor, Dan connected with our SBA team and found a partner who could help him navigate complex financing.
“David Green and the SBA team guided me through a process I had never fully understood before. Their experience was key.”
When a tornado and a contractor default threatened to derail their construction project, American National Bank & Trust worked side-by-side with Aqualine to keep things on track.
Now, Aqualine is exploring new markets and expansion opportunities, backed by a partner who understands their journey.
From Left to Right: Marty Rivers, Denton Market President | Dan Floyd, President/ Co-Owner | Erica Floyd, Co-Owner | David Green, Sr. Vice President / Director of SBA
From Left to Right: Dan Floyd, President/ Co-Owner | Erica Floyd, Co-Owner | Taite Read, Marketing Coordinator
What is an SBA Loan?
An SBA loan is a government-backed financial resource that provides small businesses with access to funding for various purposes, from startups and expansions to real estate and working capital.
We offer both SBA 7(a) and SBA 504 loan programs to fit your various financing needs.
An SBA 7(a) loan is a great option for assisting small business owners in buying equipment, or refinancing. An SBA 504 Loan is for buying fixed assets like real estate with funding shared between the broower, a development company, and a traditional lender.
Financing your future with customized SBA lending options just got easier with our streamlined SBA loan application process. In just minutes, our SBA loan program experts will provide the insights and tools you need to confidently apply to find the perfect solution for your business aspirations.
What can I finance with an SBA Loan?
- Owner-occupied commercial real estate
- Leasehold improvements
- Debt refinance
- Start-up businesses
- Equipment
- Furniture and fixtures
- Working capital
Is my business eligible for an SBA loan?
- The company is a for-profit entity
- Business must be owned 100% by U.S. Citizens, U.S. Nationals, or Lawful Permanent Residents
- Proven industry and management experience
- Satisfactory credit
- Size standards are maximum tangible net worth of $15 million and maximum two-year net average income after federal income tax or $5 million
- Real estate must be 51% owner-occupied (60% for new construction)
David Green, SVP Director of SBA
(817) 505-2142
davidg@amnat.com
Debra Cheek, VP SBA Closing & Operations Manager
(817) 505-2143
debra.cheek@amnat.com
Dra Stevenson, AVP Business Development Officer
(817) 505-2134
deandras@amnat.com
Clarizza Paz, AVP SBA Underwriter & Servicing Officer
(940) 249-7053
clarizza.paz@amnat.com
Simplify Your Small Business Financing Journey
Navigating SBA Lending Options
Are you a small business owner seeking flexible small business lending options or SBA loans? At American National Bank & Trust, helping small businesses in our Texas communities is what we love to do. With backing from the National Small Business Administration (SBA), we’re proud to offer SBA loans tailored to your unique needs, empowering your path to growth for success in Texas and beyond. Apply now and let us partner with you to achieve your small business goals.
Are SBA Lending Options Right for You?
If you are searching for a solution to providing your business with funding, lower down payments, flexible options with longer repayment terms that allow you to invest, expand, and achieve your goals, an SBA loan may be a good fit.
SBA Loan Benefits
- Lower Down Payment (Up to 90% financing available)
- Longer Terms (Fully amortizing terms up to 25 years with no balloon payments)
- Roll all use of proceeds into one loan
- Ideal financing source for start-up companies and business acquisitions
Meet our Clients
Mansfield, TX
Utopia Fitness
+ Training
Lewisville, TX
Feathers
Smash LLC
Granbury, TX
The Inn on
Lake Granbury
Decatur, TX
