Grow Your Business with Local Lending

Our Competitive Advantage, Leveraged for You

- #1 Kentucky Based SBA lender
- Experts who help you find the right solution for your business.
- Local Decision Makers
- Leading Community Bank & Fastest Growing SBA Lender in Greater Cincinnati
- Business customers more than 5xs more likely to recommend us.

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Next Steps, Your Preference.

Why Heritage Bank?

  • Custom Solutions– There is no one size fits all approach. We work with customers to identify the rates, terms and other factors that will work for you business.
  • Local Decision Makers – Faster responses from people who know your community and are only one text or call away from an executive decision maker.
  • Personalized Service – Communicate with a person, not a bot. Whether you prefer to call, email or stop by a branch, we offer bankers who see you as more than a transaction. We offer bankers empowered to provide you with solutions that fit your situation.
  • Small Business Experts – We specialize in small business banking. We offer comprehensive solutions - from lending, to cash management, to long term planning around your assets - designed with small businesses in mind. That's why we're the fastest growing, locally owned community bank in greater Cincinnati.

What Can You Finance?

Equipment and Inventory

Property and Facilities

Working Capital

Starting a New Business

Growth and Expansion

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 Greater Cincinnati, we help businesses access their financing.

See Our Loan Options
Commercial Loans

Conventional lending delivered with unconventional service and expertise. We finance real estate, equipment, building and renovation projects, 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 Solutions. Real Experts. Whether you ready to acquire, start, or grow your business, Heritage Bank is here to find the financing solution that best fits you.

Ready to Get Started?
All loans subject to credit approval. Terms and conditions apply. Heritage Bank is an equal housing lender.

Get More From Heritage Bank

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We treat small business like a big deal. We offer the products small businesses need with the flexibility to customize account features to fit your business's day to day.

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Move, manage, and secure your business's cash flow. We know small business is what makes our community thrive, that's why we ensure our solutions are designed with those businesses in mind. 

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In the office, on the road, or at home our digital banking app gives you access to all of your accounts, no matter where you are.

Build Your Bank of Knowledge

Listen to Our Podcast

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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