Commercial & Agricultural Loans & Leasing

At American Bank, we feel that strong relationships are a key to a successful business. Our team of commercial bankers visits your place of business, gets to know you and your particular needs, and tailors a package of products and services to meet your specific requirements.

Simply put, we understand the bottom line. From start-up, to growth, to changes in the economic climate, accessing capital is crucial to the success of any business. Structuring and securing the right commercial loan takes the expertise, flexibility and possibilities available at American Bank. Whether you are financing day-to-day operations or long-term expenditures, we are here to lend a helping hand. Your dedicated relationship manager will discuss with you which choices are most suitable for your business.

Tailored to meet your needs
Term Loans: American Bank offers competitive and customized term loans to meet the needs of your business situation with flexible terms and competitive pricing. If your financing needs are for purchasing equipment, real estate, extending working capital, ownership restructuring or business expansion, a term loan may be the right fit for you. We also offer customized packages for refinancing existing mortgages.

Revolving Lines of Credit: These loans can be used to acquire inventory and often assist businesses with continuing cash flow needs. They function on a revolving basis with customized payment options.

Letters of Credit: American Bank can issue Letters of Credit (LC) which essentially act as a guarantee of payment to a beneficiary. Depending on your needs, American Bank can help you review foreign currency issues and mitigate other risks through offering both commercial and standby letters of credit.

Construction Loans: Construction loans can be used to purchase property, renovate current facilities, and build new construction.

Government Loans: SBA loan benefits include longer terms, larger loan amounts and more competitive rates than you might be able to obtain through a conventional commercial loan. As an SBA preferred lender, American Bank is able to offer 7(a) and 504 program financing with Express service available (when applicable). You can be confident that your relationship manager will assist you in finding the right loan program for you.

Leasing Services: To lease or to purchase? For a growing number of businesses, leasing is a great alternative to traditional financing: American Bank partners with leading edge leasing outlets to provide you with the best alternatives to term financing. We can evaluate your needs and provide prompt turnaround on a wide array of leasing transactions.

Agricultural Loans: American Bank is dedicated to local farmers and takes great pride in offering personalized financial solutions for your agricultural needs. The staff at American Bank has a solid understanding of the complex and changing ag world. We provide many options to meet your unique needs including: farm operating lines of credit, capital purchases, machinery and equipment purchasing. If your operation is looking to grow, please contact us today!

For more information, please email solutions@americanbankmn.com