SBA Loans

Helping thousands of businesses. As a Preferred SBA Lender. Contact Us to Learn More

SBA Loans

Helping thousands of businesses. As a Preferred SBA Lender. Contact Us to Learn More

Small Business Administration (SBA) Loans

With a skilled, Preferred SBA Lender to guide you quickly through the process

ANBTX believes supporting and guiding our local businesses is foundational to the success of the communities and markets we serve. And, as an SBA Preferred Lender, we help provide access to capital that might not otherwise be available––through government-backed SBA loans. 

SBA loans can provide greater flexibility to borrowers with:

  • Lower down-payment options
  • Longer repayment terms
  • Lower capital injection requirements
  • Lower cash flow requirements to cover payments
  • Less stringent underwriting guidelines

And as an SBA Preferred Lender, you also get access to our expert team who has helped thousand of local businesses launch, expand, grow, and protect their businesses.

a man looking at ANBTX's small business loans

Learn About the SBA Loans We Offer

SBA 7(a) Loan

Loan Details

  • For a variety of business needs
  • Loan size up to $5,000,000
  • Borrower down payment as low as 10%


Loan Terms

  • Variable and fixed interest rate terms
  • 5-25 year loan terms, depending on life of asset or loan purpose


Loan Purposes

  • Expansion, renovation, or acquisition
  • Purchase real estate - land or buildings
  • Construction
  • Building improvements
  • Refinance existing debt
  • Buy equipment
  • Provide working capital
  • Inventory

SBA Express Loan

Loan Details

  • For a variety of business needs
  • Loan size up to $350,000




Loan Terms

  • Variable and fixed interest rate terms
  • Loan terms up to 10 years
  • Revolving and term


Loan Purposes

  • Provide working capital
  • Inventory

504 Loan

Loan Details

  • For real estate and equipment
  • Loan size from $5,000,000
  • Borrower down payment as low as 10%


Loan Terms

  • Up to 10 years for machinery or equipment
  • Up to 25 years for real-estate



Loan Purposes

  • Purchase land
  • Purchase existing building
  • Building expansion
  • Purchase long-lived machinery or equipment





SBA Website

For more information regarding the Small Business Administration (SBA), including recent news and guidance on loan resources, you can visit the government website below:

SBA Website 

a man talking about his SBA idea

FAQs About SBA Loans


A Preferred SBA Lender is authorized and approved to underwrite the loan application instead of submitting it to the SBA for approval.  This saves time and ensures a smooth application process.
The Small Business Administration (SBA) is a US government agency that approves loans to small businesses.  Most SBA loans are issued through approved financial institutions.  The SBA guarantees a portion of the loan.  The guarantee gives financial institutions more flexibility with loan terms.
Not all businesses qualify for a Small Business Loan.  For example, financial institutions, life insurance providers, passive businesses and speculative businesses do not qualify.  In addition, qualifying businesses must
  • Do business in the US
  • Operate for profit
  • Meet SBA business size standards
  • Have a reasonable amount of invested equity
  • Demonstrate the ability to repay the loan
  • Purchase of machinery and equipment
  • Purchase of furniture, fixtures, and leasehold improvements
  • Purchase of owner-occupied commercial real estate
  • Building construction or expansion
  • Debt refinancing
  • Working capital
  • Business acquisition
  • Partner buyouts
For your iniitial discussion:
  • Business overview
  • Reason for loan inquiry
  • Interim financial statements
  • Three years worth of business and personal tax returns
  • Personal financial statement
At time of application
  • Completed loan application
  • Business plan with projections and assumptions
  • Accounts payable and accounts payable aging reports
  • Affiliate company information
  • Additional information as required

News and Information for Our SBA PPP Customers

Learn More

Other ANBTX Services To Help Manage Cash Flow

How Can We Help?

For further assistance, contact your relationship manager or our SBA help desk with any questions.