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SBA Loans

Small Business Administration Guaranteed Loans from American Bank of Texas

American Bank of Texas is an SBA Preferred Lender with the U.S. Small Business Administration (SBA). The SBA provides small business owners with greater access to capital through their guaranteed loan programs. American Bank participates in the SBA 7(a) and SBA 504 loan programs.

Why do an SBA loan?

Many successful companies, large and small, started with SBA guaranteed financing. SBA loans provide flexible long term financing for growing businesses requiring funding for equipment, inventory, working capital, real estate or a business acquisition. SBA loans are fully amortizing with no balloon payments. The maximum SBA 7(a) loan size is $5,000,000. SBA 504 loans are available for real estate projects of up to $13,750,000.

Why choose American Bank of Texas for your SBA loan?

As an SBA Preferred Lender, American Bank has officers knowledgeable about the SBA programs that can help your business. A Preferred Lender receives faster loan approval once the loan package reaches the SBA. American Bank is experienced in SBA lending and we work hard to make the process easier for you.

What are the terms for SBA loans?

SBA loans are available for 7 - 10 years for working capital, inventory and equipment. For SBA loans secured with Real Estate the maximum term is 20-25 years.  The fee for an SBA 7-A loan is 2-3% of the guaranteed amount, depending on the size.