Business Loans Backed by Local Experts

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.

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Commercial Loans

Conventional lending delivered with unconventional service and expertise.

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SBA Lending

Small Business Administration lending – simplified and expedited.

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Line of Credit

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

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Business Credit Cards

Make sure you have the right cards for your business.

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Commercial Loans

Equipment Loans

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

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Owner Occupied Real Estate

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

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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.

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Construction Loans

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

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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.

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)

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7a 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
Contact a Venturus Lender
Alloy SBA Lender of the Year Website

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. 

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.

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How You Make It