Business Loans

 Contact a Loan Officer

Davenport, IA Branch

4301 E. 53rd St, Davenport, IA 52807

Dan Jaros


Dan Jaros
SVP, Chief Lending Officer
Phone: (563) 441-6549
Fax: (563) 441-6552

Dan Jaros serves as Senior Vice President and Chief Lending Officer. Dan joined the Bank in 1998. He earned a bachelor’s degree in Economics from the University of Iowa, and graduated from the ABA Commercial Lending School and the Pacific Coast Banking School at the University of Washington. His responsibilities include oversight of the Bank's lending activities.


Jonathan Davidshofer
Commercial Lending Officer
Phone: (563) 441-6556
Fax: (563) 441-6557

Jonathan graduated with a Bachelor of Arts Degree in Economics from the University of Iowa in 2012. He has been in banking since 2012, only working in community banking with a passion towards commercial lending. His goal is to grow any small business in the QC community while also being as involved as possible when dealing with volunteer organizations. Past Volunteer work includes Big Brothers Big Sisters lunch buddy program, Junior Achievement, coaching youth basketball, and other miscellaneous events. He has joined the Davenport Noon Optimist Club and is currently looking to join a non-profit board. Jonathan lives in Bettendorf with his fiancée Rachel, who is a second grade teacher. His hobbies include running, golfing, attending and watching Iowa sporting events, and cheering on the Minnesota Vikings and Minnesota Twins.

Moline, IL Branch

4051 Avenue of the Cities, Moline, IL 61265-4425

Shawn Zambrano


Shawn Zambrano
VP, Commercial Lending Officer
Phone: (309) 732-5084
Fax: (309) 798-1370

Shawn Zambrano serves as Vice President and Commercial Loan Officer for American Bank and Trust Company, N.A. in the Quad Cities. Shawn is a Quad City native and brings 15 years of banking experience in the areas of Commercial Real Estate, term loans, lines of credit and construction loans. She has served as a volunteer for the United Way of the Quad Cities for over 10 years and currently sits as a Co-Chair for the Community Investment Panel. She enjoys living in the Quad City area with her 2 daughters.

Gevena, IL Branch

1542 S. Randall Road, Geneva, IL  60134

Gary Buhle


Gary Buhle
SVP, Commercial Lending Officer Kane County
Phone: (630) 845-4365
Fax: (630) 444-2932

A Chicago native, Gary has been a banker in the Western suburbs since 1989 and makes his home there with his wife and 2 daughters. Gary has an undergraduate degree from the University of Illinois at Urbana-Champaign and a Masters Degree in Finance from DePaul University. A west suburban resident his entire life, Gary has over 25 years of banking experience and can assist you with financing Commercial Real Estate, equipment loans, lines of credit, multi-family property loans, SBA and USDA guaranteed loan programs.  

Ken Eichwald


Ken Eichwald
VP, Commercial Lending Officer
Phone: (630) 845-4368
Fax: (630) 345-7112

Ken, who has been in commercial banking for more than 30 years, makes loans to commercial and industrial, commercial real estate, and multi-tenant housing borrowers. He has a Finance degree and an MBA from Western Illinois University. He lives in the Chicago western suburbs with his wife and family.

Term Loans

Appropriate for long-term capital requirements- machinery, equipment, vehicles, change in ownership, a new business acquisition, and improvements at your location or other long-term needs of a company. Term loans are a lump-sum disbursement with payback schedules that fit your specific business needs.         

Lines of Credit

Fixed or variable rate lines of credit allow you to meet unexpected cash needs, take advantage of trade discounts, finance accounts receivable or inventory and provide short-term working capital when necessary.

Real Estate Loans

Purchase or refinance of commercial real estate, using up to 80% of the property's appraised value. The mortgage may carry a fixed or floating rate, depending on your particular situation. Because of the nature of this type of loan, a real estate appraisal is a necessary part of the approval process, as well as the usual and customary underwriting guidelines.

Construction Loans

Whether you are building or remodeling a commercial space, we take the time to understand your needs and tailor a loan to fit your project. American Bank & Trust offers highly competitive rates and financing options that save your business valuable time and money.  American Bank & Trust also lends to Developers for commercial or residential-commercial development, and land acquisition, using secured and unsecured lines of credit.

Required Documents

As a businessperson, you know that time is money. The more information we have about your business and your financial needs, the better we can serve you. When we meet, we’ll work together to focus on more than just helping you secure a loan. Our Commercial Lending Team will listen to you, and work with you to identify better financial solutions for your business.

Documentation that American Bank & Trust will need to consider your Commercial Loan Request includes:

  • The purpose of the credit request, including the amount and term desired
  • A brief history of your company and a summary of your Management Team
  • Updated Business Plan and Projections
  • Documentation of available collateral
  • Updated, completed and signed Personal Financial Statement form
  • Last three years Federal and State Income Tax Returns (Business & Personal)
  • Last three years business earnings history (Balance Sheet and Income Statement)

Financial Calculators

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