Business Term Loans

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Excellent rates, options, and terms are combined with helpful, neighborly service.

  • Low rates for most business needs
  • Low interest rates
  • Various terms available

Business Lines of Credit

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Enjoy competitive rates for a wide range of long-term or seasonal business needs.

  • Provides greater financial flexibility
  • Repayment customized based on your business's unique needs
  • Only pay interest on the funds you use

Commercial Real Estate Loans

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If your business has outgrown its facilities, let us help make your expansion plans a reality.

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Long-term fixed rate commercial real estate loan options available
  • Variable rate commercial real estate loan options available with balloon payments

Agriculture Loans

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We work extra hard to meet your unique needs to run a profitable operation.

  • Meet all your agricultural financial needs
  • Competitive rates
  • Customizable lending options

SBA Loans

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Heritage Bank supports local businesses with SBA Loans to help get a new business on its feet.

  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses

USDA Loans

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Get the financing you need to support your small rural business.

  • Available in loan amounts up to $5 million
  • Backed by the United States Department of Agriculture (USDA)
  • Farm Service Agency (FSA) loans also available to farming operations