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Who We Are . . .   What We Do . . .

You have direct access to your bank accounts 24 hours a day, 7 days a week with Online Banking. This service is "FREE" with your American Sterling Bank account.

 

From small business to complicated and sophisticated commercial lending…American Sterling Bank has the expertise you need.  Our commercial lenders are experienced and ready to help you structure the credit needs of your business.  We offer you

• Loans with No Prepayment Penalty
• $250,000 to $2 Million Loans
• Direct Lender – Responsive and Reliable

We specialize in all facets of commercial lending, including:

• Commercial Real Estate Loans
• Construction Loans
• Equipment Loans / Leases
• Term Loans
• Lines of Credit
• Development Loans
• Agriculture Loans

We are also pleased to offer these additional types of commercial lending :

• Business Expansion or Acquisition Loans
• Receivable and Inventory Loans
• Bridge Financing
• Permanent Loans
• Acquisition & Development Loans
• Apartment, Industrial, Mobile Home Parks, Offices, Retail, etc.

As your business grows, your needs change.  Whether you are in manufacturing, real estate, technology, construction, or any other industry, access to credit becomes critical to successful growth.

American Sterling Bank offers numerous options that are flexible, competitively priced, and promptly funded providing creative, timely, and economical business solutions. We have helped many companies, large and small, meet their credit needs with a wide selection of credit and lending solutions, including:

 Real Estate Loans
American Sterling Bank offers commercial real estate loans for the acquisition and/or development of properties such as manufacturing facilities, office buildings, rental properties, mini storage, retail, hotel and other general-purpose, income-producing properties. Refinancing of existing properties is also available.  

Construction Loans
Reliable funding is critical to the success of your construction project. At American Sterling Bank, our construction loans allow you to use the funds to cover both construction costs and certain soft costs associated with a project. These may include land acquisition, building construction or improvements, professional fees, appraisal, title work, searches, surveys, lender fees. Best of all, the loan can be pre-approved and then converted to long-term financing once the construction project is complete. This means you won’t need to apply for another mortgage.

Equipment Loans / Leases
Instead of paying cash to purchase new equipment, consider an equipment loan from American Sterling Bank. Our equipment loans / eases not only help you to keep your line of credit free for more important uses, they also a1iow you to structure your purchase over a short term with low monthly payments, thus, you may be able to afford even more of today’s best, cutting-edge equipment.

 
Term Loans
How do you plan to grow your business over the next few years? A term loan from American Sterling Bank can help you get your plan off the drawing board and into action. Our term loans can provide access to cash for needs such as fixed-asset purchases, permanent working capital, business expansion or acquisition and cash flow management.

Lines of Credit
From seasonal sales to a period of rapid growth, any number of situations can put pressure on your working capital. American Sterling Bank offers short and long-term credit solutions that can help you go from one stage of growth to the next.

Development Loans
American Sterling Bank offers loan options that provide the necessary funds to commercial real estate investors and developers so they may acquire and/or develop unimproved land for residential or commercial use.