Business Lending

Heritage Bank is committed to providing you with business products which meet your individual needs. Our experienced professional bankers can help your business grow. We understand the entrepreneurial spirit and custom build our loans for each individual business. We are committed to providing you with responsive personalized service. Our loan decisions are made locally and we offer highly competitive rates.

Heritage Bank's Approach to Lending

Lending Decisions - How do we do it

Business Term Loans

Finance new equipment and vehicles for your business or refinance existing debt. Expand your business with an injection of cash on a term basis.

Business Lines of Credit

An excellent product in providing flexible financing. Repay and reuse your Line of Credit as needed. Specifically designed for businesses to take advantage of investment opportunities.

Small Business Lending

Lending requests of $150,000.00 or less define this product. Small business loans and Lines of Credit can be used to help you reach the goals and objectives for your business enterprise.

Commercial Real Estate Lending

Heritage Bank has been financing commercial real estate ventures since 1927. Innovative solutions from Heritage Bank can help you finance both owner occupied and non-owner occupied properties.

Agribusiness Lending

We can provide knowledgeable and flexible solutions specific to these industries. Term lending, Lines of Credit, USDA, FarmerMac and FSA loans are all available.

SBA Lending

We specialize in meeting unique borrowing needs of small businesses. Because of our association with the Small Business Administration, we have the professional business bankers to provide "hands on" assistance.

Construction Lending

We have experts dedicated to commercial construction lending. We are able to provide assistance in selecting the best financing options for your project.

Business Visa Credit Cards

We offer business credit card services through our partner, TIB.

Business Resources and Tools

Information regarding how to apply, documentation requirements and financial calculators.