American Bank of the Carolinas d/b/a American Bank

This is a trusted SBA lender offering various loan programs to support small and medium-sized businesses in North Carolina. You can find personalized financing options, expert guidance, and quick turnaround times to help your business grow.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. Appointments outside these hours can be arranged upon request.

There are no fees for initial consultations; however, standard loan application and processing fees may apply depending on the loan product.

This lender primarily serves small and medium-sized businesses within North Carolina, but they welcome inquiries from eligible business owners in the region.

A minimum personal credit score of 640 is generally preferred, though other factors are also considered during the underwriting process.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and American Bank of the Carolinas d/b/a American Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call American Bank of the Carolinas d/b/a American Bank to confirm current weekend availability before you go.

American Bank of the Carolinas d/b/a American Bank is located in North Carolina — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for American Bank of the Carolinas d/b/a American Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by American Bank of the Carolinas d/b/a American Bank itself, which runs its own lending under its own ownership. If you work at American Bank of the Carolinas d/b/a American Bank, you can claim this listing from this page to manage it.

The core details for American Bank of the Carolinas d/b/a American Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with American Bank of the Carolinas d/b/a American Bank before applying. If you represent American Bank of the Carolinas d/b/a American Bank, claim this listing to keep its information up to date.

You can reach American Bank of the Carolinas d/b/a American Bank by phone at (704) 220-6922 or online at abc-nc.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with American Bank of the Carolinas d/b/a American Bank before relying on them.

Like most SBA lenders, American Bank of the Carolinas d/b/a American Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask American Bank of the Carolinas d/b/a American Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether American Bank of the Carolinas d/b/a American Bank participates in SBA Express depends on its specific SBA lending authority. Contact American Bank of the Carolinas d/b/a American Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. American Bank of the Carolinas d/b/a American Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

American Bank of the Carolinas provides financing for startup expenses as part of their business lending solutions—confirm specific eligibility and requirements with the bank directly.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask American Bank of the Carolinas d/b/a American Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask American Bank of the Carolinas d/b/a American Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with American Bank of the Carolinas d/b/a American Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. American Bank of the Carolinas d/b/a American Bank weighs this case by case under its own policy, so be upfront about your history and ask American Bank of the Carolinas d/b/a American Bank how it evaluates prior bankruptcies.