Get the Right Financing at the Right Time
Financing fuels small business. Running low can cause you to stall. The right pitstop can position your business for big wins.
Heritage Bank offers the products and the people you need. Our experienced lenders are focused on consultation and responsiveness. Every banker has a direct line to a key decision maker who calls this region home, too. Turn to us when you need to re-fuel.

Conventional lending delivered with unconventional service and expertise.
Be ready for emergencies and unplanned opportunities. Weather peaks and valleys in your cashflow.
Commercial Loans
Finance general-purpose equipment, heavy-industrial equipment, construction equipment, healthcare equipment and commercial vehicles through a term loan.
Secure funds for a new build or renovation of an existing site for your business.
Explore a variety of flexible and innovative financing options for non-owner-occupied properties, including office buildings, shopping centers, mixed-use commercial buildings and multi-family units.
Ask us about construction loans as well as land acquisition and development loans and bridge financing for your building project.
SBA Financing
Small Business Administration loans may be used for a variety of business purposes and often feature attractive, flexible terms and structure unavailable through conventional financing. Each loan may be customized to minimize the required equity injection, maximize cash flow and enhance growth capital. Also, SBA loans may have additional enhancements uniquely available to veterans and other small business owners.
Heritage Bank, a nationwide SBA Preferred Lender with one of the fastest growing SBA programs in our region, wants to be your strategic partner to help with your business financing. We handle SBA 504 loans locally and leverage our exclusive SBA lending division, Venturus, an innovative, national market-leading SBA 7a lender delivering personal attention, an extraordinary level of service, and the highest qualified team to transform your business needs into a reality.
Long-term fixed rate loans
Up to $5 million
Reserved for major fixed assets (building, land, equipment with a minimum lifespan of 10 years)
Flexible financing designed for small business needs:
- Owner User Commercial Real Estate - purchase, construction, renovation or refinance
- Working Capital
- Machinery & Equipment Purchase or Refinance
- Business Acquisition and Partner Buyout
- Franchise Finance - acquisition, refinance, expansion and start-up for select concepts
Lines of Credit
A business line of credit offers businesses more flexibility than a term loan because business customers can repay and reuse funds as their cash flow and credit needs change.