American National Bank and Trust

This is a local bank offering SBA loan programs and small business financing solutions designed to support entrepreneurs and business growth in the Wichita Falls area.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.

American National Bank and Trust's Wichita Falls main branch has lobby hours Monday through Friday from 9:00 AM to 4:00 PM, and drive-thru hours Monday through Friday from 8:00 AM to 6:00 PM. Please confirm current hours directly with the bank.

There are no fees for visiting the bank, but loan application and processing fees may apply depending on the financing arrangement.

This bank primarily serves small business owners in the Wichita Falls region, but eligibility is based on creditworthiness and business qualifications.

A minimum personal credit score of 640 is typically required, though higher scores improve approval chances.

The underwriting process generally takes 2 to 4 weeks, depending on the completeness of the application and documentation provided.

Most banks keep weekday business hours and are closed on weekends, and American National Bank and Trust 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 National Bank and Trust to confirm current weekend availability before you go.

American National Bank and Trust is located in Texas — 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 National Bank and Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by American National Bank and Trust itself, which runs its own lending under its own ownership. If you work at American National Bank and Trust, you can claim this listing from this page to manage it.

The core details for American National Bank and Trust — 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 National Bank and Trust before applying. If you represent American National Bank and Trust, claim this listing to keep its information up to date.

You can reach American National Bank and Trust by phone at (940) 397-2300 or online at amnat.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 National Bank and Trust before relying on them.

Based on its approved SBA loans, American National Bank and Trust most often finances businesses in hotels & lodging, restaurants & food service, and general retail. This reflects American National Bank and Trust's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with American National Bank and Trust which sectors 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 National Bank and Trust participates in SBA Express depends on its specific SBA lending authority. Contact American National Bank and Trust 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 National Bank and Trust can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. American National Bank and Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask American National Bank and Trust directly whether it considers start-up loans.

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 National Bank and Trust 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 National Bank and Trust 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 National Bank and Trust 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 National Bank and Trust weighs this case by case under its own policy, so be upfront about your history and ask American National Bank and Trust how it evaluates prior bankruptcies.