Small Business Administration (SBA) Loans
We want to be your small business partner

SBA LOAN APPLICATION SBA Loan Program Guides

Small Business Administration (SBA) Loans – Your Path To Growth

We want to be your small business partner.

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 APPLICATION

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

SBA LOAN APPLICATION

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 51% by U.S. Citizens or Permanent Resident Aliens
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)