Small Business Loans

Move your business forward. 

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

SBA loans are more than a transaction; 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 504 loans

SBA Express loans


$125,000 to $20 million


Up to $500,000


Intended for real estate, building renovation and equipment.


Flexibility for working capital, equipment, real estate, expansion, supplies, debt refinancing.

Down payment
Down payment

10% (with several exceptions)

Down payment

Set by the lender

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

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.

Let’s get started.

Submit your contact information and one of our experienced bankers will be in touch.

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Why choose American National Bank for small business lending?

Service that goes above.

There’s nothing small about small business and we’ll echo your dedication to help you do more.

An SBA preferred lender.

The “preferred” designation means we’ve demonstrated sound ethics and a sturdy reputation.

Faster approvals.

As a preferred lender, we can underwrite your loan application and expedite the approval process.

Negotiable rates.

We offer competitive, negotiable rates (subject to current market conditions).

168 years of strength.

Our business overlaps three centuries and the economic conditions of each. We’ve withstood the storms, and you can stand on our stability.

A full suite of small business products.

Having an “all-in-one” bank makes your job easier. Along with lending, we offer accounts, merchant services, fraud protection, treasury management and more. We’ve got your small business covered.