Business Loans 

Whether it is expanding your business or enhancing your community American Bank & Trust has many options to turn your business plan into a reality.  


Meet our Commercial
Loan Staff

Financial Calculators


Commercial Loan Required Docs

Required Documents 
for Commercial Loans


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