The American National Bank of Texas

This is a bank that offers SBA loan programs, including the 7(a) loan, to help small businesses access capital for growth, real estate, or equipment needs. You can find personalized lending solutions and expert guidance tailored to your business goals.

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. Contact the bank ahead of your visit for the best experience.

The Terrell location is open Monday-Thursday 9:00 am to 3:00 pm and Friday 9:00 am to 5:00 pm. Contact American National Bank of Texas directly to confirm.

There are no fees for visiting or consulting, but loan applications and processing may involve fees such as origination and closing costs, which are disclosed upfront.

This bank primarily serves residents and businesses within Texas, focusing on local entrepreneurs and small business owners.

A minimum personal credit score of around 640 is generally preferred, though specific requirements may vary based on the loan and applicant profile.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of application documents.

No, this branch is closed on weekends. SBA lending staff are reachable Monday through Friday during business hours. Contact American National Bank of Texas to confirm weekend service options.

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

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

You can reach The American National Bank of Texas by phone at (972) 524-3411 or online at anbtx.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 The American National Bank of Texas before relying on them.

Based on its approved SBA loans, The American National Bank of Texas most often finances businesses in restaurants & food service, construction & contractors, general retail, manufacturing, medical practices & clinics, and automotive repair & services. This reflects The American National Bank of Texas'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 The American National Bank of Texas 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 The American National Bank of Texas participates in SBA Express depends on its specific SBA lending authority. Contact The American National Bank of Texas 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. The American National Bank of Texas 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. The American National Bank of Texas's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The American National Bank of Texas 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 The American National Bank of Texas 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 The American National Bank of Texas 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 The American National Bank of Texas 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. The American National Bank of Texas weighs this case by case under its own policy, so be upfront about your history and ask The American National Bank of Texas how it evaluates prior bankruptcies.