Smarter Financing Solutions for Your Business
What does your business need to move forward? Our local lenders might exaggerate about the size of the last fish they caught, but our business loan offerings are truly among the most versatile in Laclede, Camden, and Texas counties. We’re a premier lender in South Central Missouri capable of providing the financing you require, from large construction loans to seasonal lines of credit.
Business Term Loans
Excellent rates, options, and terms are combined with helpful, neighborly service.
- Low rates for most business needs
- Various terms available
- Local decision-making and processing
Business Lines of Credit
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
For businesses of all shapes and sizes.
- Competitive rates for purchase, refinance, or construction
- Long-term fixed-rate commercial real estate loan options
- Variable rate commercial real estate loan options with balloon payments
Agricultural Loans
We work extra hard to meet your unique needs and run a profitable operation.
- Meet all your agricultural financing needs
- Competitive rates
- Customizable lending options
SBA Loans
Small Business Administration Loans to help get a business on its feet.
- Available for start-ups and existing businesses
- Government assistance for businesses with difficult approval
- Special financing for qualifying businesses
USDA Loans
Get the financing you need to support your small rural business
- Available in loan amounts up to government standards
- Backed by the USDA
- Farm Service Agency loans available for farming operations
- Business and industry loans available for small businesses
How Can You Get a Business Loan?
To secure a business loan, research and choose a lender. They will help you assess your financial needs to determine the best financing option (e.g., a fixed-rate term loan, a small business loan, etc.). Collect all required documents, which may include your business plan, financial statements, tax returns, and collateral documentation. Finally, complete an application.
Of course, the entire process is more complex than that. Thankfully, by choosing Heritage Bank as your commercial lender, you’ll have an expert to guide you every step of the way.
Why Heritage?
Your local dollars are invested in our local communities with local lenders and local decisions, because, at Heritage Bank, we are Neighbors Serving Neighbors.
Become a Neighbor Today
Our core focus is helping you achieve your dreams. Start your journey as a Neighbor and take the next step in reaching your financial goals.
