• 5 Star Bankrate
  • Real Estate Loan
  • Mobile Banking

Commercial Loans

At American National Bank of Fremont, we offer flexible and convenient financing products that will help your business achieve its full potential. Whether you're financing equipment or starting a new business, we'll work with you to achieve your goals. All loan decisions are made locally, which allows us to provide the individualized service you want and deserve with competitive rates and fast approval time.

Commercial Real Estate Loans

Our experienced real estate lenders will work with you on the various phases of your real estate projects including real estate purchases, land acquisition, site development, and property improvement.   We will help you find innovative solutions to suit your business cash flow needs.

 

Business Loans

Whether starting a new business, or expanding an existing one, you can count on the professional loan officers at American National Bank of Fremont.  Your success is our priority, and we strive to help you reach your business goals.

 

Agricultural Loans

Our Ag lenders are experienced in the specialized credit needs of Ag customers. We can arrange a loan to cover operating expenses, acquisition of real estate, livestock or equipment.

 

Lines of Credit

At American National Bank of Fremont, we understand that no single lending solution works in every situation.  We offer competitive secured and unsecured working capital lines to fund seasonal operating cycles, accounts receivable and inventory. 


Below is a list of information that will be reviewed when applying for a business loan.  This list is meant as a starting point and may not be representative of all information needed by American National Bank.

Description of your business:  Describe the type of business and product or service offered.  If an existing business, explain the history and the changes which will be implemented with the loan proceeds.  If a proposed business, describe your planned business entity and how it will operate.

 

Financial Information: 

For an existing business:

  1. Submit financial statements (including balance sheets and income statements) for the last three years. 
  2. Submit a current interim financial statement for the current operating year.
  3. Submit Tax Returns for the last three years.
  4. Provide projections of sales, expenses and profit for one full year following the receipt of loan funds.  The projections should reflect the purpose of the borrowed funds.  Click here to access our Projections Worksheet. 

For a startup business:

  1. Provide projections for the next three years.  Projections should show month by month income and expenses for the first full year, and then annual income and expenses for years two and three.  Click here  to access our Projections Worksheet. 
  2. Personal financial statement for the owner(s)/guarantor(s).  Click here to access our Personal Financial Statement form.

 


Management

Complete a summary of the management of the business. Add a description of experience and management capabilities that will make the business a success.

 

Collateral

List the collateral available to support the loan and an estimate of its value.  Please attach all appraisals currently available.

 

Personal Financial Statement and Federal Tax Return

A current personal financial statement and federal tax return is required on all owners and guarantors of a business loan.  Click here to access our Personal Financial Statement form.