Business Lending | Amarillo National Bank

Business Lending

There's a reason we're Amarillo's #1 business lender. We know Amarillo, live in Amarillo, and make our decisions in Amarillo. We've known many of our customers, and their businesses, for decades. We're not just committed to the local business scene—we're committed to keeping it strong.

That's why we do everything we can to help support businesses, large or small, in our community. From offering special loans to help solve immediate needs to working closely with you and your team to grow your business over the long run, we consider ourselves partners with you to simplify and support your business.

Our business lending options include:

  • Equipment, real-estate and working-capital term loans
  • Commercial real-estate improvement loans
  • Business lines of credit

In the business world, time is money. You don't want to wait around for us to make decisions. That's the benefit of our local ownership: all our lending decisions are made right here in Amarillo, by people who know how to support local small business. That means fair consideration and fast answers.

Every business is unique, of course. What works for the business down the street may not work for you, and vice versa. That's why our Business Lending Team is ready to tailor a program to fit your needs. Stop by any full-service ANB branch to get started.

Feed Yard Financing

Since 1892, Amarillo National Bank has been the valued partner of cattlemen across the region. We offer feedyard financing and dairy, cattle and equipment lending — along with a wealth of experience and best-practice knowledge. Together with our wholly owned subsidiary, Circle A Ag Credit, our agribusiness lending group is proud to meet the needs of individuals and operations throughout Texas, New Mexico, Colorado, Oklahoma and Kansas.


The advantages of working with our team include:

  • Local decision making and our fastest response times for loan applications and requests.
  • The simplicity of maintaining a single line of credit for all of your feed yard cattle financing needs.
  • Highly competitive interest rates and equity requirements.
  • Ability to track cattle on a lot-by-lot basis for accounting purposes.
  • A geographic lending area that is generally larger than that of other lending institutions.
  • The flexibility of a lending limit that's large enough to handle virtually any request.

Lending Policy

It is the objective of Amarillo National Bank to make loans for productive purposes which are consistent with sound credit principles and which are in the best interests of the bank, its stockholders, its customers, and the community. It is the intention of the bank that its lending power will be used to promote growth in its demand deposit base, thereby increasing the bank's ability to produce future earnings growth, as well as promote the economic growth of its community and trade area. The bank's lending resources will be allocated in a manner consistent with prevailing or anticipated economic and money market conditions in accordance with sound bank asset management practices. In addition, the bank recognizes that they have a continuing and affirmative obligation to help meet the credit needs of its trade area, and will not discriminate against any applicant on a prohibited basis with respect to any aspect of the credit transaction.

The bank's trade area will be considered to be:

  • Primary Trade Area — Potter-Randall Counties, Hutchinson-Carson Counties, SMSA.
  • Secondary Trade Area — General trade territory, roughly defined as 150-mile radius.
  • Tertiary Trade Area — Those areas of our "downstream" correspondent banks where overline requests are generated.


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