Our full range of loan solutions are delivered by experienced and responsive commercial bankers.
Revolving Line of Credit
For short-term working capital needs, our revolving line of credit is ideal for financing accounts receivable and inventory.
Term Loans
Whether you're financing equipment, vehicles, facility enhancements, or a business expansion, we offer competitive and flexible solutions to fit your needs.
Construction Loans
When it's time to grow your business by expanding your existing facility or building a new one, we can help with custom financing solutions. We have experience in helping businesses manage the complex financial challenges these projects present.
Commercial Real Estate
Finance the purchase or construction of owner occupied or investment real estate.
Overdraft Protection
Avoid the inconvenience, expense, and possible embarrassment of checking account overdrafts. With overdraft protection, transfers are made automatically from your line of credit to your checking account.
Small Business Administration (SBA) Loans
American Community Bank & Trust offers a variety of SBA loans that can be instrumental in helping businesses achieve their goals using flexible financing packages.
Loan Type | Application | Term | Loan Amount | Features | |
---|---|---|---|---|---|
SBA 504 | Long-term fixed asset financing | -Real estate and buildings -Capital equipment | Up to 10 years on equipment and up to 25 years on real estate | Up to 90% of total project cost | Flexibility for your business |
SBA 7(a) | Term loans | -Real estate -Acquisitions -Working capital -Inventory | Generally working capital and equipment 5-10 years; real estate 20-25 years | Up to $5 million | Start up, acquire, or expand your business |
Cap Lines | Line of credit | -Working capital -Inventory | 1-10 years | Up to $5 million | Ideal for seasonal needs |