Fuel Your Business Growth with Flexible Loan Options

Our Competitive Advantage, Leveraged for You

- #1 Kentucky Based SBA lender
- Local lenders who can help you decide between conventional and SBA lending.
- Experts who understand small and mid-sized businesses.
- Current customers 5Xs more likely to recommend us than the average bank.
- Locally owned and operated.

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Next Step. Your Preference.

We're easy to work with. Send us an email or call. One of our bankers will be in touch. Or review our options until you're ready to move forward.

Why Heritage Bank?

  • Fixed or Variable Rates – Loans that work for your business.
  • Local Decision Makers – Faster responses from people who know your community and are only one text or call away from a key decision maker.
  • Faster Turn Arounds - Get the money you need faster through lenders who know how to shepherd your applications through approval.
  • Small Business Experts – We’ve helped thousands of local businesses start and grow. Our products and services -- from financing to Treasury Management -- are designed for small business.
  • Personalized Service – Real relationships. No call centers. Our lenders are empowered to recommend solutions that fit your needs.

What Can You Finance?

Equipment and Inventory

Renovations or Build-outs

Working Capital

Opening a New Location

Business Growth or Marketing

Acquiring Another Business

Choose the Right Loan for Your Business Goals

SBA Loans

Small Business Administration lending – simplified and expedited. As one of the fastest growing SBA lenders in the country, we help businesses access their financing.

See Our Loan Options
Home Equity Line of Credit (HELOC)

Prefer a flexible option? Own a home? Draw the funds as you need them, when you need them so you only pay interest on what you are using rather than a lump sum.

See Our Special Offer
Commercial Loans

Conventional lending delivered with unconventional service and expertise. We finance real estate, equipment, building, acquisitions and buy-outs as well as other needs for growing companies.

Contact a Commercial Lender
Business Line of Credit

Be ready for emergencies and unplanned opportunities. Weather peaks and valleys in your cashflow. Pay interest only on what you draw.

See Our Credit Options
Credit Cards

Businesses of every size need credit cards for fast, easy payment and cashflow management. Whether you're looking for low rates or rewards, we've got an option.

Learn More

Simple Process. Real People. Whether you prefer online tools or an in person conversation, our process is easy, secure, and personalized.

Ready to Get Started?
All loans subject to credit approval. Terms and conditions apply. Heritage Bank is an equal opportunity lender.
Learn Lessons from Other Small Businesses in Greater Cincinnati

On your next commute or on the way to your next appointment, listen to our podcast hosted by Rob Braun, legendary local anchorman and long-time Heritage Bank customer. Learn from other small business successes how to recover from mistakes, how to avoid mistakes and how most successful entrepreneurs are wired.

Featured entrepreneurs include business advisors, leaders of well-known family businesses and local business leaders whose businesses you may never have heard of but who work with Fortune 500s around the world.

Listen Up
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