SBA Loans Tailored To Your Needs.
SBA loans can give your business an opportunity for growth by offering flexible funding options for a variety of business expenses.
Connect With A LenderBenefits of SBA lending through American Community Bank & Trust include:
- Low down payments
- Longer terms to reduce monthly payment amount
- Fast, local approval decisions
- Working with a committed, experienced lender
At American Community Bank & Trust, we can help you navigate the SBA loan application, securing affordable funding to start your business, expand your business, or manage day-to-day operational costs. Reach out to one of our experienced commercial lenders to apply for an SBA loan today!
Types and Uses of SBA Loans
American Community Bank & Trust offers a variety of SBA loans that can be instrumental in helping businesses achieve their goals using flexible financing packages.
Loan Type | Application | Term | Loan Amount | Features | |
|---|---|---|---|---|---|
| SBA 504 | Long-term fixed asset financing | -Real estate and buildings -Capital equipment | Up to 10 years on equipment and up to 25 years on real estate | Up to 90% of total project cost | Flexibility for your business |
| SBA 7(a) | Term loans | -Real estate -Acquisitions -Working capital -Inventory | Generally working capital and equipment 5-10 years; real estate 20-25 years | Up to $5 million | Start up, acquire, or expand your business |
| Cap Lines | Line of credit | -Working capital -Inventory | 1-10 years | Up to $5 million | Ideal for seasonal needs |
SBA 504 Loans
Small business loans that provide long-term fixed asset financing for real estate, equipment, and business expansion.
- Down payment as low as 10%
- Equipment: Up to 10-year term length
- Real Estate: Up to 25-year term length
SBA 7(a) Loans
Term loans for real estate, acquisitions, construction, working capital, inventory, equipment, or debt refinance.
- Loan amount up to $5 million
- Working Capital and Equipment: 5-10 year term length
- Real Estate: 20-25 year term length
SBA Cap Lines of Credit
Line of credit to be used to offset seasonal cash flow fluctuations, short-term working capital, and operational needs.
- Loan amount up to $5 million
- Maturity length: 5-10 years
- Depending on use, may be short-term or revolving
Other Related Loans
Looking for other Commercial Loan options for your small business? We also offer:
