Business Loans
Control your cash flow. Control your growth.
By working with a lender who has the expertise to address the financial needs of all areas of your business, you can take the next step with confidence. We’re here to make your life easier, better, and more profitable because our decision-makers live and work where you do. That’s the power of community banking.
We provide capital to local businesses and real estate investors who are ready to expand operations, finance a new piece of equipment or build a new building. At Heartland Bank, we understand that no two businesses are the same, so we offer a variety of business loan options at competitive rates to meet your needs.
Check out some of our business loan options below and contact a local commercial lender.
Small Business Loans
Heartland Bank works with companies of every size – even the one-person start-up. That’s why we offer a wide variety of business loans, such as conventional financing, small business lines of credit and even SBA loans.
The two most important things to a small business are customers and capital. While we can not bring in customers for you, we can help you with the capital to do just that. At Heartland Bank, you will have access to a number of small business financing options – all that can help increase your company’s value and protect your personal credit.
Some of those loan options include:
Commercial Loans
Finance the growth of your small business today! Experience the power of local decisions from the local people you know and trust. Our experienced lenders make decisions in a timely manner to help you get back to business. Here are just a few of the purchases and cash flow needs our loans can help with:
- Acquisitions
- Machinery and Equipment
- Construction/Renovation
- Start-up
- Working Capital
- Refinance
Lines of Credit
For a continued stream of capital or financing, we offer lines of credit that can be renewed as you pay them back. We have a range of amounts to fit your needs.
Lines of credit at Heartland Bank are simple and convenient. Funds are deposited directly into your business bank account, and as you pay them off, they are automatically available again.
Commercial Real Estate Loans
Faster financing to get the deal done. Benefit from our commercial, mixed use and multi-family lending expertise. Our lenders are part of the commercial real estate community and know the current environment, which means they offer local expertise and guidance to help make business easier.
- Owner Occupied
- Investment
- Multi-family
- Mixed Use
SBA Loan Programs
The SBA is a government agency that supports entrepreneurs and small businesses, and partners with local banks and other lenders to strengthen our country’s small business industry. SBA loans are specifically designed to help finance small business growth and address many of the problems small business owners face with ordinary lending. Our streamlined application process and knowledgeable SBA lenders make the experience a positive one!
Benefits of the SBA loan program:
- Longer repayment terms
- Lower down payment
- No pre-payment penalties for loans under 15 years
Which SBA loan do you need?
- SBA 7a: This loan is designed to help start or expand entrepreneurial efforts
- SBA Express: Created for a fast turnaround time, this loan is best for businesses with less established credit
- SBA Veterans Advantage: For Veterans looking to get capital, this loan has special options
- SBA 504: This loan supports the purchase or construction of real estate, and buying needed business equipment and machinery.
To learn more about Heartland Bank’s Business Loans, visit any of our convenient locations today, or give us a call at 888-897-2276.