Fund your Small Business

Helping small businesses in our Texas communities is what we love to do. With backing from the government, we’re proud to offer SBA loans to provide small businesses with the financing they need to be successful. Apply now and let us partner with you to achieve your small business goals.

Benefits of an SBA Loan

There are several benefits for borrowers of our SBA Loans.

  • 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

Frequently Asked Questions

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)

SBA Loans

American National Bank & Trust is proud to be able to offer Small Business Administration (SBA) loans to our customers. An SBA loan is one of the best ways to finance a new business, buy an existing business, expand your current operation, or make other startup/expansion purchases. We offer both SBA 7(a) and SBA 504 loan programs to fit your various financing needs.

Download SBA Loan Application (PDF)
Download SBA Loan Program Guides (PDF)

For more information please contact:

David Green
David GreenSVP/Director of SBA
Bridgette McCain
Bridgette McCainVP of SBA
Lexi Weir
Lexi WeirAssistant VP/SBA Underwriter/Servicing Manager