Heartland Bank and Trust Company is a full-service commercial lender focused on supporting local businesses, municipalities and non-for-profit entities.

That strong support is made possible by our breadth of lending services. We continue to offer a wide array of lending options to businesses in the communities we serve, including government lending programs. 

As one of the largest family-owned community banks in Central Illinois, we also have the necessary capital and expertise to successfully back large-scale projects. These encompass a wide spectrum of financing needs, ranging from $100,000 business loans to multi-million-dollar municipal bond transactions. Driven by an ability to deliver financial solutions tailored to the existing and growing needs of our customers, Heartland Bank has been a strong bank before, during, and since the financial crisis. Every Heartland Bank and Trust Company lending customer, big or small, benefits from a personalized solution based on their unique situation. We believe our customized approach is what sets our bank apart. Each customer also benefits from the fact that our lending experts are highly empowered to make decisions at the local level. We are a community bank and we make loans that make communities strong.

• Real Estate Financing
• Equipment Financing
• Collection
• Fraud Prevention
• Disbursement
• Cash Management