American Bank & Trust Company, Inc.
American Bank & Trust Company, Inc. is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 7 Google reviews.
About American Bank & Trust Company, Inc.
American Bank & Trust Company, Inc. offers comprehensive commercial banking services tailored to small and medium-sized businesses. With a focus on SBA lending, they provide financing solutions that support business growth, expansion, and operational needs. Their experienced team works closely with clients to understand their unique financial situations and craft suitable loan programs, including SBA 7(a) and other government-backed options. Located in Bowling Green, KY, they serve a broad spectrum of industries, helping entrepreneurs access the capital they need to succeed. Their commitment to personalized service and flexible lending options makes them a trusted partner for local businesses seeking reliable financial support.
Common questions about American Bank & Trust Company, Inc.
What is this place and what can I find here?
This is a commercial bank offering a variety of financial services, including SBA loans, business financing, and personalized banking solutions tailored to small and medium-sized businesses in the Bowling Green area.
Do I need an appointment or can I walk in?
You can walk in or schedule an appointment depending on the service you need; it's recommended to call ahead for specific assistance.
What are the hours of operation?
The bank's typical hours are Monday through Friday from 9:00 AM to 5:00 PM, but it’s best to confirm with the branch directly.
Is there a fee to use this?
Fees may apply for certain services or loan processing, but there is no general fee for visiting or consulting with the bank.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and businesses in the Bowling Green area but welcomes inquiries from new clients who meet their lending criteria.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 640 is preferred for guarantors applying for SBA loans.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and American Bank & Trust Company, Inc. 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 & Trust Company, Inc. to confirm current weekend availability before you go.
How do I get there and where do I park?
American Bank & Trust Company, Inc. is located at the address listed on this page — 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 & Trust Company, Inc., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by American Bank & Trust Company, Inc. itself, which runs its own lending under its own ownership. If you work at American Bank & Trust Company, Inc., 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 & Trust Company, Inc. — 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 & Trust Company, Inc. before applying. If you represent American Bank & Trust Company, Inc., claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact American Bank & Trust Company, Inc. at (270) 796-8444, online at ambanking.com, or via their contact form at https://www.ambanking.com/contact-us/ — please confirm with the bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, American Bank & Trust Company, Inc. 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 & Trust Company, Inc. 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 & Trust Company, Inc. participates in SBA Express depends on its specific SBA lending authority. Contact American Bank & Trust Company, Inc. 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 & Trust Company, Inc. 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 & Trust Company, Inc.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask American Bank & Trust Company, Inc. 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 & Trust Company, Inc. 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 & Trust Company, Inc. 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 & Trust Company, Inc. 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 & Trust Company, Inc. weighs this case by case under its own policy, so be upfront about your history and ask American Bank & Trust Company, Inc. how it evaluates prior bankruptcies.