Small Business Loans

Move your business forward.

To us, there’s nothing “small” about your business.

Small business loans are more than transactions; they’re connected to ambition and your vision for the future. Which is why we take a relationship-based approach to understand your goals, provide insight and guide you through every step of the lending process.

Small Business Administration (SBA) loans

SBA 7(a) loans

SBA 504 loans

SBA Express loans

Amount

Up to $5 million

Amount

Up to $5.5 million

Amount

Up to $350,000

Purpose

Funding for business expenses, expansion and growth and includes working capital, machinery and equipment, purchasing or improving real estate, buying a business or refinancing debt.

Purpose

Financing for long-term assets such as building or upgrading facilities, buying land or purchasing machinery.

Purpose

Quick approvals of smaller loans and lines of credit for working capital, asset acquisition and refinancing.

Down Payment

10-30%

Down Payment

10-20%

Down Payment

Set by the lender

Use SBA 7(a) loans to finance small business real estate with no down payment.

Learn more

Why choose American National Bank for small business lending?

Let’s get started.

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Answers to the most common SBA questions

Let the Q&A begin. If you don’t see what you’re looking for here, give us a call. Answers are always free.

Considering most businesses start small, and that small businesses employ around 46% of U.S. workers, SBA loans give smaller companies favorable lending conditions. Some of these conditions include backing a portion of the loan to make them less risky for lenders, providing lower down payments and allowing longer repayment terms.
Most SBA loan qualifications are intuitive and are based on good-faith business practices. Some qualifications include:
- Meet small business definitions set by the SBA (we can help you understand the requirements)
- Have an active business or are proposing to do business in the U.S.
- Will use funds for common business needs
- Have demonstrated a need for a loan
- Alternate funds (such as personal resources) have been used prior to seeking a loan
- Are not in an ineligible business category, such as non-profits, life insurance companies or foreign-owned institutions.
Like all loans, an SBA loan requires businesses and owners to provide financial documents that show creditworthiness. Typically, you’ll need:
- Form 1919 and Form 414. These ask for key financial information (debts, assets, income) about the owners and business applicant. These can be a little extensive, which is why we’re here to help.
In addition, you’ll want to gather other documents that will help assess your application. These include your:
- Business plan
- Loan application history
- Tax ID number(s)
- Business license
- Profit and loss statements
- Business narrative
- Projected income
- Personal tax returns
- Business tax returns

Add banking know-how to your small business savvy.

Do more to empower your business journey with our expert insights, tips, and impactful offers.

Small Business Loans

To us, there’s nothing “small” about your business.

Small Business Administration (SBA) loans

SBA 7(a) loans

SBA 504 loans

SBA Express loans

Amount

Amount

Amount

Amount

Purpose

Purpose

Purpose

Purpose

Down Payment

Down Payment

Down Payment

Down Payment

Use SBA 7(a) loans to finance small business real estate with no down payment.

Why choose American National Bank for small business lending?

Service that goes above.

An SBA preferred lender.

Faster approvals.

Negotiable rates.

A full suite of small business products.

168 years of strength.

Let’s get started.

Answers to the most common SBA questions

What makes SBA loans unique?

How do I know if my business can qualify for an SBA loan?

What kind of documentation is required for an SBA loan?

Are there down payment or collateral requirements?

Add banking know-how to your small business savvy.

Protecting your company from business payment fraud

Unlock the benefits of a local SBA Preferred Lender

Small businesses looking to purchase real estate can use an SBA loan for 100% financing

Small Business Loans

To us, there’s nothing “small” about your business.

Small Business Administration (SBA) loans

SBA 7(a) loans

SBA 504 loans

SBA Express loans

Amount

Amount

Amount

Amount

Purpose

Purpose

Purpose

Purpose

Down Payment

Down Payment

Down Payment

Down Payment

Use SBA 7(a) loans to finance small business real estate with no down payment.

Why choose American National Bank for small business lending?

Service that goes above.

An SBA preferred lender.

Faster approvals.

Negotiable rates.

A full suite of small business products.

168 years of strength.

Let’s get started.

Answers to the most common SBA questions

What makes SBA loans unique?

How do I know if my business can qualify for an SBA loan?

What kind of documentation is required for an SBA loan?

Are there down payment or collateral requirements?

Add banking know-how to your small business savvy.

Protecting your company from business payment fraud

Unlock the benefits of a local SBA Preferred Lender

Small businesses looking to purchase real estate can use an SBA loan for 100% financing

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