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ASB&T Covid-19 Updates

Commercial Loans

CARES ACT Paycheck Protection Program

ASB&T is a participant in the Paycheck Protection Program. Contact the Commercial Loan Department at 701-774-4130 for more information.


Business Banking

Finance your business’ growth with a commercial loan from American State Bank & Trust Company. We’ll tailor our wide range of loans and lines of credit to create the ideal lending package to meet your goals. The commercial loan department offers a blend of short, intermediate, and long term credit needs. Loans are available for inventory, equipment, operating, and real estate.

We are a certified lender for the US Small Business Administration, which allows the Bank to offer extended terms and conditions to our businesses. In addition to SBA, we offer programs through a variety of sources such as USDA Rural Development and the Bank of North Dakota.


Commercial Loans

  • Operating Lines of Credit
  • Equipment Loans
  • Commercial Real Estate Loans
  • Construction Loans
  • Small Business Administration Guaranteed Loans
  • Participation Loans
  • Bank of North Dakota Program Loans

Cash Management

Having the right tools to manage business cash is no longer a luxury – it’s a necessity. Cash Management is an Internet-based management tool with user-friendly functionality. It allows you to handle a variety of cash management and accounting needs online. You’ll have the flexibility you need to effectively monitor and move your money. Whether your business has five or five hundred employees, Cash Management is right for you. Simplicity, flexibility, security, accessibility and affordability make this service a logical choice for any business of any size. By signing up for Cash Management, you’re sure to see real and immediate results that will help your business to be a success.


Ready Reserve

Ready Reserve works with your American State Bank checking account and costs you nothing until you use it. When you write a check exceeding the balance of your checking account, American State Bank will automatically make you a loan from your authorized line of credit. We will deposit the loan amount directly into your checking account in sufficient multiples of $100.00 to bring your account to a positive balance. We will automatically debit your checking account each month to make the minimum payment required. To learn more about Ready Reserve, please contact a Customer Service Representative.