Commercial Loans

Select from the list below to learn more about our business and commercial loans.



What our Customers Say

Bart Howell

For over a decade, Bart Howell has depended on American Trust Bank.  Bart knows that building a business takes the right partner.  In fact, when he was ready to acquire other insurance agencies, Bart turned to American Trust Bank to help provide financing and advice with his acquisitions. 

"As a local business owner, it's great to work with a bank that makes local and quick decisions.  Plus, everyone has a friendly attitude."

- Bart

To hear more about what Bart has to say about American Trust Bank, click on the video link.

To get started on your new commercial loan, contact us today or visit any of our locations in Knoxville, LaFollette or Lenoir City


Equipment Loans

Having the right equipment to run your business is essential.  Whatever equipment your company needs, American Trust Bank's equipment financing provides a cost effective way to help your business succeed.  Some equipment financing we have provided for our customers includes:

  • Company vehicles
  • Computers and information technology tools
  • Construction equipment and machinery
  • Industiral machines
  • Medical equipment
  • Office furniture



Lines of Credit

When you need cash quickly for a short period, a line of credit is oftern the best way to borrow.  Since you're pre-authorized to borrow up to a specific amount, you can access funds quickly and avoid getting credit approval each time you borrow.    

  • Check-writing access is available
  • Monthly billing, with interest accuring only on outstanding balances
  • Money can be used for a variety of expenses
  • Secured and Unsecured options are available



Credit Cards

Credit Card

American Trust Bank offers a wide variety of personal credit cards.  To learn more, or apply for a card, click here.

If you are already a credit card customer and want to view your credit card account, click here.

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Commercial Real Estate Loans

We offer our business customers a full range of financing solutions and can help you with:

  • Owner-Occupied
  • Non Owner Occupied
  • Construction and Speculative Financing

Business owners can use our Real Estate Lonas to construct, purchase or refinance business property; or expand/remodel existing facilities.

  • Provides a one-time lump sum for real estate purchases
  • For real estate constructions, funds are disbursed throughout construction schedule
  • First and second mortgages available on owner occupied real estate


SBA Loans

American Trust Bank provides SBA 7(a) and SBA 504 options.  To learn more about SBA loans, visit the SBA's website or contact one of our bankers.


*The advertised interest rate is based on a secured business loan in which the interest rate is fixed for a period of five years, the balance is due and payable at the end of five years. Payments can be amortized based on a period other than five years.  The interest rate may be higher based on overall creditworthiness and collateral type and value.  Loans are subject to credit and collateral approval.  Other restrictions may apply. The advertised rate and terms are subject to change without notice.