American Bank and Trust Company
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by American Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 16 | $7.4M | $462K | 50.0% |
| 722513 | Limited-Service Restaurants | 8 | $2.4M | $298K | 25.0% |
| 333132 | Oil and Gas Field Machinery and Equipment Manufacturing | 8 | $35.9M | $4.5M | 25.0% |
Geographic Distribution
SBA lending activity for American Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Oklahoma (OK) | 24 | $43.3M | 75.0% |
| Texas (TX) | 8 | $2.4M | 25.0% |
Why Choose American Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 32 SBA loans approved, totaling $45.7M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Oil and Gas Field Machinery and Equipment Manufacturing
- ✓Competitive Terms: Average interest rate of 6.75% with flexible term lengths averaging 148 months
- ✓Loan Range: Loan sizes from $275K to $4.5M, with an average of $1.4M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in OK, TX
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about American Bank and Trust Company SBA lending
What types of businesses does American Bank and Trust Company typically finance?
American Bank and Trust Company specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, oil and gas field machinery and equipment manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are American Bank and Trust Company's typical SBA loan terms?
American Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.75% and average term length of 148 months (approximately 12 years). Loan sizes range from $275K to $4.5M, with an average loan size of $1.4M.
Do I need a business valuation for a American Bank and Trust Company SBA loan?
Yes, American Bank and Trust Company typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does American Bank and Trust Company compare to other SBA lenders?
American Bank and Trust Company has originated 32 SBA loans totaling $45.7M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does American Bank and Trust Company lend in?
American Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in OK, TX. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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