Small Business Financing
When you need financing for starting or expanding your business, turn to your small business lending experts at Heartland Bank!
We offer a streamlined application process and fast decisions for conventional business loans*, small business lines of credit, and financing provided through Small Business Administration (SBA) loan programs.
Our commercial lending professionals are ready to assist you in selecting the best solutions for your business, so look through the options and give us a call!
Conventional Business Loan
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:
- Commercial Real Estate Purchase
- Machinery and Equipment
- Working Capital
To learn more about Conventional Business Loans, speak with a Commercial Lender at a location near you.
Small Business Line of Credit
If your business is short on cash this month, we can help! Small businesses should never have to choose between paying employees and paying bills.
Our small business line of credit gives you cash quickly and securely for any business need. When your business needs money, there is very little time to waste. Funds are deposited directly to your business bank account right when you need them! As you pay it back, it becomes available again without delay.
Find a location near you to open your Small Business Line of Credit today!
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
- Down payments as low as 10%
- 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.