Business Loans

Real Estate

Owning commercial real estate can save you money and be a sound business investment. We offer loans that will help make the sometimes complex commercial real estate process as simple as possible.

Owner Occupied Real Estate

For those that are tired of paying rent on their company’s building, American Bank offers a variety of loans for the purchase, refinance, or improvement of owner occupied property.

• Up to 80% loan-to-value.
• Amortizations up to 20 years.
• Rate and terms vary.

Investment Property

We offer financing solutions for the purchase, refinance, or improvement of non-owner occupied office buildings, retail centers, single family homes, multi-use properties, multi-family buildings and more.

• Up to 80% loan-to-value.
• Amortizations up to 20 years.
• Rate and terms vary.

New Construction

American Bank has been supporting local home builders and real estate developers since 1952. Whether dealing with custom, pre-sold, or speculative construction, we have an experienced staff that can help you get the financing you need.

• Loans up to 90% of cost, subject to credit approval.
• Interest only payments during construction.
• Reasonable origination fees.
• Rate and terms vary.

How do I apply?

• Contact one of our Loan Officers who can guide you through the process.

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Vehicles

• Up to 100% of value, subject to credit approval.
• Amortizations up to 6 years.
• Rate and terms vary.

Industry Specific Equipment

Whether it’s medical, manufacturing or something in between, American Bank provides financing solutions for new and used equipment to help your business grow.

• Up to 100% of value, subject to credit approval.
• Flexible amortizations and terms.
• Rate and terms vary.

How do I apply?

• Contact one of our Loan Officers who can guide you through the process.

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Lines of Credit Details

• Interest only terms.
• Flexible payment options.
• Secured and unsecured lines available.
• Rate and terms vary.

How do I apply?

• Contact one of our Loan Officers who can guide you through the process.

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

The benefits of SBA loans are:

• Lower downpayment requirements than conventional loans.
• Unconventional collateral.
• Lesser time in business accepted.

SBA loans serve a variety of business financing needs, including:

• Owner-occupied commercial real estate purchases.
• Business acquisition or expansion.
• Construction.
• Equipment, inventory or working capital.

Want to know more?

• Visit SBA.gov to learn more about the different programs available through the SBA.

How do I apply?

• Contact one of our Loan Officers who can guide you through the process.

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Lending Team

Bellmead

• Brad Neimer, Executive Vice President - 254-867-7610, NMLS #1637903
• Jim Lambert, Senior Vice President - 254-867-7637, NMLS #452932
• Derrick Sims, Loan Officer - 254-867-7601; NMLS #1973159

American Plaza

• Dana Hassell, President and CEO – 254-751-8340, NMLS #452929
• Willard Still, Vice Chairman – 254-751-8301, NMLS #452935
• Kyle Akin, Executive Vice President and Chief Lending Officer – 254-751-8338, NMLS #452927
• Mike Schmidt, Executive Vice President - Lending – 254-751-8321, NMLS #452933
• Vicki DeGraw, Vice President, Mortgage Loan Officer – 254-751-8305, NMLS #452928
• Scott Snyder, Assistant Vice President, Loan Officer - 254-751-8348, NMLS #2347970
• Haley O'Brien, Loan Officer, Assistant Portfolio Manager, 254-751-8308; NMLS #2485302

Downtown

• Nick Deaver, Senior Vice President - 254-751-8362 NMLS #1560966