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SME Account

Small and Medium Enterprise (SME) guaranteed banking and loans can offer lower down payments and longer repayment periods than a typical term loan. Speak to one of our experts about SME Banking. As an SME Preferred banker, Citi Trust Group has been given approval authority to help small businesses get financial assistance faster.

The types, uses and terms of SME banking and loans are as diverse as the companies currently benefitting from them. Many small to mid-sized businesses already meet the SME eligibility standards. Is yours one of them?

Ready to apply for a SME banking and loan? Our lenders will be by your side through every step of the process, but first, they need to know a little information about your project, including:

  • A detailed business plan describing the business model (that is, the plan you’re implementing in the business to generate revenue and make a profit).
  • Personal financial statement and last three years' tax returns for each individual owner.

And while you don’t need to pull together the following documents for our initial meeting, having them handy will help ensure you receive a timely, accurate response, and speed things along:

  • Last three years’ tax returns for the business.
  • Most current interim financial information for the business.
  • Legal documents (i.e. Articles of Incorporation, Certificate of Incorporation, Assumed Name Certificate, Partnership Agreements, Employer Identification Number)

What sets us apart


Our experienced business bankers are always available to discuss your plans and develop a customized solution based on the unique aspects of your situation. Our industry expertise and truly personal approach to service is what sets us apart. As experienced bankers, we can make decisions fast without the red tape of other banks. At American Bank, you don’t just apply for a loan; you start a relationship, the way banking should be.

We are committed to your success, and are here to act as your trusted business advisor on everything from your cash flow to your strategic road map.



Frequently ask

With Mobile Banking, you can easily access your business Bank OnLine information and functionality on the go via your smartphone or tablet. Just download the American Bank Business Mobile Banking app from your mobile device’s app store to explore.

Safely log in using the same credentials you use to access Business Online Banking.
Review and approve payments (such as Online Wires) that require multiple approvals on the go and on your schedule – no need to wait until you get back to your desk.

Deposit checks with a couple snaps of your camera and the funds will be available next business day.

With Online Banking, you can check real-time balances, transfer funds, review transaction history and pending items, view images of checks, set alerts on your accounts, and so much more. It’s everything you need, all in one place.

Business Bill Pay provides a seamless and integrated way to easily pay your company bills electronically. Business Bill Pay allows you to pay bills from one or multiple companies from the same bill pay profile.

You can manage payees, setup e-bills, add invoices, monitor activity, manage users and reduce payment errors and potential fraud by enabling payment approvals.

When time is of the essence, online wire transfers are the fastest and most secure way to get your money where it needs to go
Protect your account from unauthorized transactions and simplify your monthly reconciliation with Positive Pay. Positive Pay is a great way to stop fraud in its tracks or prevent it from ever happening in the first place.
Access balance and transaction information on the deposit and loan accounts.
Move funds between your Citi Trust Group accounts.


How it Works

We provide online instant account opening and cash loans with quick approval that suit your term

Apply for Account Opening

If you are a customer outside the state, filling out our online account opening form can help get your account setup and running in minutes

Application review

On successful completion and submission of the registration form, your informations will be reviewed, approved and an account is opened immediately for you by one of our professional staff

Deposit and get funding fast

Once your account has being setup, the sky is your limit to what you can do with your account, as you can deposit, transfer money from anywhere to any part of the world.


OUR TESTIMONIALS