American Bank and Trust Company
American Bank and Trust Company is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 4 Google reviews.
$14M
in SBA approvals since 2010
18
SBA loans funded
Manufacturing · Automotive Repair & Services · Fitness & Recreation
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About American Bank and Trust Company
American Bank and Trust Company offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial support for growth, equipment, or operational needs. As a trusted commercial bank, it provides a range of loan programs including the SBA 7(a) loan program, which is ideal for business expansion, working capital, and acquisition financing. The bank's experienced lending team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Located in Tulsa, Oklahoma, the bank is committed to serving local businesses while also supporting clients across the region. With a focus on personalized service, American Bank and Trust Company helps entrepreneurs access the capital they need to succeed, leveraging its strong community ties and financial expertise. Whether you're a startup or an established business, the bank's SBA programs can provide flexible funding options to meet your goals. Their dedicated team is ready to assist with application preparation, underwriting, and closing, making the process straightforward and transparent. The bank's commitment to small business growth is reflected in its tailored lending solutions and attentive customer service, ensuring you get the support you need to thrive in today's competitive marketplace.
Common questions about American Bank and Trust Company
What is this place and what can I find here?
This is a commercial bank offering SBA lending programs designed to help small and medium-sized businesses access capital for growth, equipment, or operational needs. You can find information about loan options, application processes, and support services here.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to meet with a lending specialist, but walk-in consultations may be available during business hours. Calling ahead can ensure you receive dedicated assistance promptly.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM. Specific hours for loan consultations may vary, so it's best to contact the branch directly for detailed scheduling.
Is there a fee to use this?
There are no fees to inquire about SBA loans or to start the application process. However, certain fees related to loan processing, guarantee fees, or closing costs may apply if you proceed with a loan.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and businesses in the Tulsa area and surrounding regions. Eligibility for loans depends on meeting credit and financial criteria, not residency alone.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 650 is generally preferred, but approval considers overall financial health, collateral, and business performance.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and American Bank and Trust Company 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 and Trust Company to confirm current weekend availability before you go.
How do I get there and where do I park?
American Bank and Trust Company is located in Oklahoma — 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.
Who owns or operates this listing?
This page is an independent directory listing for American Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by American Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at American Bank and Trust Company, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for American Bank and Trust Company — 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 and Trust Company before applying. If you represent American Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach American Bank and Trust Company by phone at (918) 481-3885 or online at americanbanktulsa.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 and Trust Company before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, American Bank and Trust Company 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 and Trust Company directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
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 and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact American Bank and Trust Company and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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 and Trust Company can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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 Bank and Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask American Bank and Trust Company directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 and Trust Company what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 and Trust Company to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 and Trust Company to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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 and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask American Bank and Trust Company how it evaluates prior bankruptcies.
