Business Loans Backed by Local Experts

Explore our Financing Solutions.

We're Built to Keep Pace with Your Business

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.

Business Financing
Commercial Loans

Conventional lending delivered with unconventional service and expertise.

Learn More
SBA Lending

Small Business Administration lending – simplified and expedited.

Learn More
Line of Credit

Be ready for emergencies and unplanned opportunities. Weather peaks and valleys in your cashflow.

Learn More
Business Credit Cards

Make sure you have the right cards for your business.

Learn More

Commercial Loans

Equipment Loans

Finance general-purpose equipment, heavy-industrial equipment, construction equipment, healthcare equipment and commercial vehicles through a term loan.

Contact a Commercial Lender
Owner Occupied Real Estate

Secure funds for a new build or renovation of an existing site for your business.

Contact a Commercial Lender
Commercial Real Estate

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.

Contact a Commercial Lender
Construction Loans

Ask us about construction loans as well as land acquisition and development loans and bridge financing for your building project.

Contact a Commercial Lender

SBA Financing

Small Business Administration loans are often attractive options for a wide variety of business purposes for new and established businesses. The attractive, flexible terms and structure are often unavailable through conventional lending. 

Heritage Bank is an SBA Preferred Lender. We offer a unique SBA solution to the Northern Kentucky and Greater Cincinnati market. Local lenders are well versed in SBA 504 loans and equipped to make deals rather than push paper. Our local lenders are partnered with Venturus, a division of Heritage Bank dedicated to 7a lending. Contact any Heritage Bank lender, and he or she will work across the bank to find the right financing solution for you. We believe in handshakes not handoffs, so you’ll retain a local contact, your phone calls will be answered and your inquiries will be addressed promptly.

504 Loans

  • Long-term fixed rate loans

  • Up to $5 million

  • Reserved for major fixed assets (building, land, equipment with a minimum lifespan of 10 years)

Get Started
7(a) Loans

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
Get Started
Alloy Recognition (4)

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.

Business Credit Cards

Businesses of every size need credit cards for fast, easy payment and cashflow management. 

Ready to Connect?

We're here to help take your business to the next level. Get the conversation started with one of our experienced local bankers.

Speak With Us

Fill out the form and a Heritage Commercial Banker will contact you.

Get Started
Visit a Branch

Find your nearest Heritage Bank branch.

Branch Locator

Additional Resources

How You Make It Podcast

This episode features Dan Catalano, a former Fortune 500 manufacturing executive and long-time board member, who shares how he became acquainted with Heritage Bank - first experiencing the personal character of its leadership, then learning why smaller banks are sometimes the best fit for businesses, even large ones.

business-financing-podcast-frame-01