Welcome to American Bank of Commerce
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Business Lending

One of the greatest resources at ABC Bank is the lending department. We focus on establishing long-term relationships with our customers to deliver financial solutions to meet current and future needs. We offer a variety of loans to fit your unique needs. Your loan is processed locally and quickly, saving you time and money. We make business loans for the following:

 COMMERCIAL REAL ESTATE
For commercial real estate developers, real estate investors, and commercial real estate builders, ABC offers real estate financing with flexible terms and highly competitive rates. Our experienced real estate lenders make it easy to do business with ABC and are able to make fast decisions about your financing needs.
 
 
PurposeRaw land development
Investor rehab on existing properties
Purchase income-producing properties
Investor acquisition of raw or developed property
Office, warehouse, industrial, agricultural purchase or development
Term12 Months to 20 years, depending on project
RepaymentInterest Monthly
Mini-perm
Permanent
Requirements

Two years business financial statements
Two years tax return
Personal Financial Statement
Business Loan Application


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 OWNER OCCUPIED REAL ESTATE
The owner occupied real estate loans are designed for businesses that are financing real estate where they intend to be the primary tenant. Construction, existing real estate, and SBA 504 loans can be customized to fit your unique business needs.
 
PurposePurchase property
Rehab property
Expansion
TermUp to 20 years, depending on project
RepaymentMini-perm
Permanent
Requirements

Two years business financial statements
Two years tax return
Personal Financial Statement
Business Loan Application


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 RESIDENTIAL CONSTRUCTION
ABC has the experience and resources needed to successfully navigate the residential interim construction loan process. We have the products and staff to successfully finance customers from small residential builders to large tract builders.  
 
PurposeBuilder construction lines of credit
Raw land development
Builder spec and contract loans for small builders
Investor rehab on existing properties
Term12 Months to 20 years, depending on project
RepaymentMini-perm
Interest monthly available
Requirements

Two years business financial statements 
Two years tax return
Personal Financial Statement
Business Loan Application


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 SMALL BUSINESS ADMINISTRATION
The SBA provides government backing for loans for a variety of small business needs. As a preferred lender. ABC Bank can provide additional guidance and expertise to help make your business a success. Three different types of SBA Loans are offered to meet your lending needs. Please visit our SBA Resource page for more information and visit www.sba.gov.
 
SBA Express Loan Information 
SBA 504 Loan Information 
SBA 7A Loan Information 
  

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 REVOLVING LINES OF CREDIT
New and expanding businesses need the flexibility to get capital quickly to allow daily operations to run smoothly. A business revolving line of credit can help cover  temporary shortfalls of cash.
 
PurposeProvide working capital for daily operations
Cover repayment gap for accounts receivable
Term12 Months
RepaymentMonthly interest (typically)
RequirementsTwo years business financial statements
Two years tax return
Personal Financial Statement
Business Loan Application

 

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 EQUIPMENT LOANS
Your growing business needs change quickly and our relationship bankers will help you meet any upcoming challenges. The purchase of new or used equipment can be financed with flexible repayment terms.
 
Purpose

Commercial vehicles
Construction equipment
Manufacturing equipment
Technology upgrades

TermFlexible repayment terms, ranging from 1 to 7 years
RepaymentPrincipal and interest are paid in regular installments
Requirements

Two years business financial statements
Two years tax return
Personal Financial Statement
Business Loan Application

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Originating in West Texas, with strong roots in agricultural banking, the Ag Department at ABC Bank can help you make the most of your opportunities. Whether a fifth-generation farmer or just starting a new operation, you will receive the attention and service you deserve.
 
PurposeAnnual farm lines of credit
Equipment purchase
Agricultural land purchase
Livestock operations
Term12 months on farm lines
1-7 years on equipment loans
Up to 20 years on real estate
Repayment

Interest monthly
Annual payments
Single pay

Requirements

Two years tax return
Click here for Application Process Information