Real Estate Loans
If you’re buying land or real estate, we’ve got the experience and trusted specialists to help you navigate the transaction with a plan to make your business successful. We offer customized loans for commercial real estate to support our members in the purchase of new real-estate or refinancing commercial mortgages.
We also offer our business banking members specialized loans for agricultural real estate purchase, equipment or grain storage, and livestock facilities. The unique needs of our agricultural members are well met by our team of experts. No matter the land use, our goal is to create a cost-effective solution for your farm financing need.
SBA & FSA Loans
Heritage believes that Small Businesses are the foundation of America. We understand the amount of hard work, courage, and determination a business owner must have to be successful and credit unions have been helping these businesses for over 100 years. Whether you are just starting out or ready to open that next location, we have the right tools to take your business to the next step.
Farm Service Agency (FSA) – Making farm ownership a reality for our members. FSA backed loans including the Beginning Farmer program for those who’ve been operating for less than 10 years, but have plans for a strong future.
Small Business Administration (SBA) Loans – Small Business, Big Dreams. Our Business Bankers can help you find the appropriate SBA loans and program that fit your business needs with flexible terms and low interest rates.
With a commercial construction loan from Heritage, we’re powering your dream of a new facility, renovation or growth project with reliable access to the funds you need. We’re here to help you finance as a trusted partner throughout the construction process.
If you’re considering the purchase or refinance of investment real estate, including one-to-four family properties, multi-family housing, or commercial real estate, we can offer tailored solutions for your financial future. We have loans and market intelligence, powered by a team of experts, to help meet your property investment needs.
Equipment & Working Capital Term Loans
Does your business have occasional spikes in cash flow demand, experience seasonal ups-and-downs, or need new equipment? A working capital term loan may be a good solution. This type of loan will support your business so you can cover operating expenses, buy that much needed piece of equipment, or maybe an additional company vehicle. We can help.
Operating Lines of Credit
For a flexible loan that allows you to use funds as needed instead of lump sum, an operating line of credit offers our members an ideal solution. This means you’re only paying interest on the credit you need when you need it, but with the confidence to anticipate and cover capital needs, such as operating expenses, and payroll and Ag cash flow.
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