Commercial Lending
Fueling Your Business Growth with Tailored Lending Solutions
Your Business Success Starts Here
At American Bank, we understand that every business has unique financing needs. Whether you’re looking to expand, manage cash flow, or fund new projects, we offer a variety of commercial lending options designed to help your business succeed. From traditional loans to flexible lines of credit, we have the solutions you need to move your business forward with confidence.
With our deep-rooted understanding of local markets and personalized approach to service, American Bank is committed to providing the financial tools and support to fuel your business’s growth and long-term success.
Commercial Loan Options
Commercial Term Loans
A Commercial Term Loan is a traditional loan that provides your business with a lump sum of capital to be paid back over time. These loans are ideal for financing long-term investments such as property, equipment, or business expansion. With fixed or variable interest rates, a Commercial Term Loan offers predictable monthly payments, helping you manage your cash flow.
Benefits of Commercial Term Loans:
- Fixed or variable interest rates to fit your needs
- Long-term financing for major purchases or expansions
- Predictable monthly payments for easier budgeting
- Flexible loan amounts and terms to meet your specific financial situation
Business Lines of Credit
A Business Line of Credit provides you with access to a predetermined credit limit that you can use as needed. Ideal for managing short-term cash flow fluctuations, covering unexpected expenses, or capitalizing on growth opportunities, a line of credit gives you flexibility and control. As you pay down the balance, the available credit is replenished, giving you ongoing access to funds.
Benefits of Business Lines of Credit:
- Flexible borrowing with access to funds whenever needed
- Only pay interest on the amount you borrow
- Ideal for managing cash flow fluctuations or short-term expenses
- Revolving credit, once paid back, the balance becomes available again
Commercial Real Estate Loans
If your business is looking to purchase, refinance, or renovate commercial property, Commercial Real Estate Loans from American Bank offer competitive rates and flexible terms. We understand the local real estate market and offer financing for office buildings, retail space, warehouses, and more.
Benefits of Commercial Real Estate Loans:
- Flexible terms to suit your business’s financial goals
- Financing for a variety of commercial properties, including office buildings, retail locations, and industrial spaces
- Low down payment options depending on the property and loan type
- Fixed or variable rates to match your preference
Government-Backed Financing
For businesses looking to secure government-backed financing, SBA Loans are an excellent option. These loans are designed to make it easier for small businesses to access financing, offering longer repayment terms and lower interest rates. With SBA support, American Bank can help you unlock the capital your business needs for expansion, equipment purchases, or working capital.
Benefits of SBA Loans:
- Lower down payments (Lower Equity Injection Requirement)
- Longer repayment terms (up to 25 years)
- Competitive interest rates
- Ideal for businesses with less-than-perfect credit or those looking to expand
Equipment Financing
If your business needs new equipment or machinery, Equipment Financing allows you to purchase the tools and assets necessary for growth without upfront costs. You can secure financing for equipment that’s vital to your operations, including technology, vehicles, and machinery. After the equipment is purchased, the loan is repaid over a set term, with payments often aligning with the equipment’s useful life.
Benefits of Equipment Financing:
- Financing for new or used equipment, including vehicles, machinery, and technology
- Flexible repayment terms based on the equipment’s useful life
- Preserve cash flow by spreading the cost of equipment over time
- Quick approval process to help you get the equipment when you need it
The Commercial Lending Application Process
Applying for a commercial loan with American Bank is a simple and straightforward process. Here’s what you can expect:
Step 1: Applying
To begin your journey towards securing financing, simply fill out our Contact Us form, and one of our dedicated team members will connect with you personally. We aim to understand your financing needs thoroughly and explore how we can best support your business goals. Our approach is to streamline the application process, making it as straightforward and hassle-free as possible.
Step 2: Underwriting
After our initial discussion, we will gather the essential documents required to gain a comprehensive understanding of your business and its financial needs. An experienced loan officer will guide you through every step, ensuring you have all your questions answered. Our underwriting process focuses on the historical and projected cash flow of your business, applying a common-sense approach to assess your suitability for a loan.
Step 3: Approval
We will review your application and assess your business’s financial health. Our goal is to approve loans quickly and efficiently while ensuring that the terms are right for your business.
*Some restrictions apply, please speak with an American Bank representative for details. As such, nothing should be interpreted as a commitment to lend. Loans are subject to credit and collateral approval. Additional terms, restrictions and limitations may apply.
Step 4: Funding
Once your loan is approved, a dedicated Closing Specialist will be assigned to manage the funding of your loan. They will coordinate with you to ensure that all necessary steps are taken to smoothly and efficiently fund your loan, allowing you to focus on growing your business.
Get Started Today
Whether you're looking to expand, improve cash flow, or fund new equipment, American Bank is here to help with your commercial lending needs. Our team of local experts is ready to provide personalized service and help you choose the right financing option for your business.
Why Choose American Bank for Your Commercial Lending Needs?
At American Bank, we’re committed to understanding the unique needs of your business and providing personalized lending solutions that help you succeed. As a community-focused bank, we’re deeply invested in the economic success of Louisiana’s local businesses, and we pride ourselves on building lasting relationships with our clients. Here’s why you should choose American Bank for your commercial lending needs:
Local Expertise and Personalized Service
Unlike large national banks, we know the local economy inside and out. Our dedicated lending team takes the time to understand your business goals and tailor loan options that work best for your specific situation. We believe in building long-term relationships with our clients, and we’re here to provide you with support at every stage of your business journey.
Flexible Loan Terms
We understand that every business is different, which is why we offer flexible loan terms to fit your unique financial situation. Whether you need a long-term loan for expansion, a short-term line of credit to manage cash flow, or a specific loan product like an SBA loan, we’ll work with you to customize a solution that helps your business thrive.
Quick and Easy Process
We believe that securing financing shouldn’t be a complicated or drawn-out process. Our streamlined loan application process is designed to get you the funds you need quickly and with minimal hassle. We provide clear communication and fast decision-making, so you can stay focused on running your business.
Meet Our Team
Jeff Adams
(985) 230-2320
NMLS# 498494
Janelle Givens
(318) 932-5776
NMLS# 946555
Brandi Harris
(985) 230-2321
NMLS# 685997
