| Product | Solution | Benefits | Fees |
Business Credit Card
Learn More | Allow your company the flexibility of purchasing on credit while earning great rewards and benefits. | - Customize your card to better showcase your business
- Multiple reward options available
- Comes with all the benefits of a Visa credit card
| No annual fee or low annual fee (waived with minimum annual purchase) credit cards available.
|
Business Overdraft Protection
Contact Us | Have the benefits of available credit for business overdraft protection so your company is covered. | - Protection from the unexpected
- Convenient automatic payments
- Tiered and variable rates available
| $100 set up fee
Annual fee after the initial year |
Line of Credit
Contact Us | A convenient and flexible option to finance working capital requirements. Allows you to draw funds when you need them and repay in line with your business cycle and when you receive payment from customers. | - Finance working capital
- Conveniently access funds
- Interest only payments available
- Secured and unsecured options available
- Strengthen your credit
- Finance your accounts receivable and meet any unexpected expenses
- Option to pledge real estate for a longer maturity
| $100 set up fee
(excluding CD secured) |
Letters of Credit
Contact Us | Ability to continue business as usual and grow your company through international trade and/or bid and performance bonds. | - Offers Standby Letter of credit and Documentary Letter of credit
- Helps to protect from international trade risks
- Clarity on contract terms across borders
| Contact an Amegy banker for more details. |
Term Loan
Contact Us | A source of financing for long term or one time expenses. | - Use loan to finance equipment and other fixed assets
- Offers flexible repayment options based on loan purpose
- Up to 100% financing available
- Use loan to finance equipment and other fixed assets
- Offers flexible repayment options based on loan purpose
- Up to 100% financing available
| $100 set up fee |
Auto Loan
Contact Us | Expand your business with the purchase of a new vehicle while minimizing your cash expense upfront. | - No down payment
- Competitive fixed rates
- Terms available up to 60 months
| No fee |
Owner Occupied Real Estate
Contact Us | Eliminate your rent and build equity. | - Can be used to finance owner occupied real estate
- Long-term financing
- Competitive fixed or variable rates
| 1% origination fee
Other real estate fees may apply |
SBA
Learn More
| The Small business Administration (SBA) Loan Guaranty Program provides a supplementary guarantor for a business loan funded by Amegy Bank.
- A source for financing your business and creating permanent working capital.
- Purchase, construction or expansion of owner-occupied real estate.
- Purchase of machinery, equipment, furniture, fixtures and leasehold improvements.
- Business acquisition or partner buy-outs.
- Debt refinancing
| - Longer repayment terms
- Lower down payments – as little as 10% down
- Lower debt service requirements
- Flexible collateral parameters
- Flexible financial and reporting requirements
- Financing for Exports
- Competitive rates
| Contact an Amegy banker for more details. |
Factoring/Business Credit
Contact Us | Alternative financing that ensures available funds and flexibility | - Competitively priced programs compared to independent factoring companies
- Simple, uncomplicated programs
- Ability to strengthen your credit
- Interim financing that can lead to a traditional banking relationship
| Specific fees apply |