Imagine the Possibilities With a Business Line of Credit

¹The Annual Percentage Rate (APR) for the Business Line of Credit is variable and is based on the Prime Rate published in the Wall Street Journal (4.75% as of 6/17/2022), plus a margin. Your APR may vary based on credit history, line amount and other factors. At no time will the APR exceed 18%. Rates and programs are subject to change without notice. Contact us for current rates. All advances will be subject to the variable rate APR according to the terms of the account agreement. The minimum line amount is $25,000.

Application Accuracy, Patriot Act and Right to Request Credit Disclosure
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person with an equity interest of an entity who opens an account.
What this means for you: When you open an account, we will ask for name(s), address(es), date(s) of birth, and other information that will allow us to identify individuals with equity ownership. We may also ask to see driver’s licenses or other identifying documents.
Additional information including but not limited to Customer Due Diligence, “Know Your Customer” requirements, and Beneficial Ownership may be required to complete opening your account.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Unit, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.
If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Amerant Bank, N.A., PAC Domestic Retail Banking Manager, 220 Alhambra Circle, 5th Floor, Coral Gables, FL 33134, (305) 460-4000 within 60 days from the date you are notified of our decision. We will send you a statement of reasons for the denial within 30 days of receiving your request for the person completing this application hereby certifies that the information provided is true and correct to the best of their knowledge and will notify Amerant Bank of any material changes to the information anything over the 30 days following submission. In the event credit is granted in any amount, you agree to furnish financial statements and/or any other financial information at any time it is so requested and failure to do so shall constitute a default in the terms and conditions of the loan and entitle the Bank to demand payment in full on the loan. At this time you expressly authorize the Bank to make all inquiries it deems necessary to verify the accuracy of the statements made herein, and to determine, the creditworthiness of any individuals with equity ownership.

CONSUMER DISCLOSURE
From time to time, Amerant Bank (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through the DocuSign, Inc. (DocuSign) electronic signing system.
Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions. please confirm your agreement by clicking the ‘I agree’ button at the bottom of this document.

Getting paper copies
At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send to you through the DocuSign system during and immediately after signing session and, if you elect to create a DocuSign signer account, you may access them for a limited period of time (usually 30 days) after such documents are first sent to you. After such time, if you wish for us to send you paper copies of any such documents from our office to you, you will be charged a $0.00 per-page fee. You may request delivery of such paper copies from us by following the procedure described below.

Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. How you must inform us of your decision to receive future notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below.

Consequences of changing your mind
If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures. To indicate to us that you are changing your mind, you must withdraw your consent using the DocuSign ‘Withdraw Consent’ form on the signing page of a DocuSign envelope instead of signing it. This will indicate to us that you have withdrawn your consent to receive required notices and disclosures electronically from us and you will no longer be able to use the DocuSign system to receive required notices and consents electronically from us or to sign electronically documents from us.

All notices and disclosures will be sent to you electronically.