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SBA Lending

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Loans backed by the Small Business Association can provide affordable lending solutions for small- to medium-sized businesses who may not be able to qualify for other commercial loans. SBA loans can give your business an opportunity for growth by offering flexible funding options for a variety of business expenses.  

 Benefits of SBA lending through American Community Bank & Trust include: 

  • Low down payments 
  • Longer terms to reduce monthly payment amount 
  • Fast, local approval decisions 
  • Working with a committed, experienced lender 

At American Community Bank & Trust, we can help you navigate the SBA loan application, securing affordable funding to start your business, expand your business, or manage day-to-day operational costs. Reach out to one of our experienced commercial lenders to apply for an SBA loan today! 

Types and Uses of 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



Loan Amount


SBA 504Long-term fixed asset financing

-Real estate and buildings

-Capital  equipment
-Expanding your business

Up to 10 years on equipment and up to 25 years on real estateUp to 90% of total project costFlexibility for your business
SBA 7(a)Term loans

-Real estate


-Working capital

-Debt refinance

Generally working capital and equipment 5-10 years; real estate 20-25 yearsUp to $5 millionStart up, acquire, or expand your business
Cap LinesLine of credit

-Working capital


1-10 yearsUp to $5 millionIdeal for seasonal needs

SBA 504 Loans 

Small business loans that provide long-term fixed asset financing for real estate, equipment, and business expansion. 

  • Down payment as low as 10% 
  • Equipment: Up to 10-year term length 
  • Real Estate: Up to 25-year term length 

SBA 7(a) Loans 

Term loans for real estate, acquisitions, construction, working capital, inventory, equipment, or debt refinance. 

  • Loan amount up to $5 million 
  • Working Capital and Equipment: 5-10 year term length 
  • Real Estate: 20-25 year term length   

SBA Cap Lines of Credit 

Line of credit to be used to offset seasonal cash flow fluctuations, short-term working capital, and operational needs. 

  • Loan amount up to $5 million 
  • Maturity length: 5-10 years 
  • Depending on use, may be short-term or revolving 

Other Related Loans 

Looking for other Commercial Loan options for your small business? We also offer: 

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