SBA Loans

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When your small business thrives, our community thrives. That's why we've partnered with the U.S. Small Business Administration (SBA). As an approved SBA Program Lender, we specialize in securing capital for businesses that might not qualify for traditional lending. With generally lower down payments and extended terms, you're free to invest in other areas of your business. Contact a lending officer today to get started.

  • 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
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And much more
  • A wide range of lending options available, including Express loans
  • Generally lower down payments and extended terms
  • Local processing
  • Expert lenders to guide you
  • Detailed, attentive service from start to finish

Thanks to the SBA 7(a) program, thousands of businesses have received the funding for a large variety of needs. For everything from purchasing real estate and equipment to working capital for everyday expenses, count on an SBA 7(a) to open the doors for your business.

  • Designed for the needs of small businesses* looking to:
    • Purchase an existing business
    • Acquire land or a building
    • Expand to another location
    • Buy equipment
  • Available in loan amounts up to $5 million
  • Backed by the U.S. Small Business Administration (SBA)
  • Loan terms from 7 to 25 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Flexible terms
  • Loans are fully amortized
  • No prepayment penalties on loans less than 15 years in length
  • Local processing
  • Expert lenders to guide you
  • Detailed, attentive service from start to finish

Unlike traditional loans that may require larger down payments or near-perfect credit, a government-backed 504 Loan may be ideal for your situation. You can count on an SBA loan, in partnership with Heritage Bank of the Ozarks to provide you with the long-term, fixed-rate loan you need.

  • Designed for the needs of small businesses* looking to:
    • Expand through land or building acquisition
    • Undergo construction
    • Acquire major equipment/machinery
  • Available in loan amounts up to $12.5 million
  • Backed by the U.S. Small Business Administration (SBA)
  • Loan terms up to 30 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Flexible terms
  • Loans are fully amortized
  • Local processing
  • Expert lenders to guide you
  • Detailed, attentive service from start to finish
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*As defined by the SBA.