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