Business Term Loans
Looking to expand your business with an injection of cash on a term basis? A term loan may be your solution.
Business Lines of Credit
This product offers flexible financing via an open line of credit you can repay or reuse as needed.
Commercial Real Estate Loans
Want to finance your owner and/or nonowner-occupied properties? Discover innovative solutions for both.
Offerings include term lending, lines of credit, USDA, FarmerMac and FSA loans.
As a preferred Small Business Association lender specializing in 7(a) and 504 loan programs, our bankers will provide you with added assistance.
With a team dedicated to commercial construction lending, we're always prepared to provide you with the best financing options for your project.
Headquartered right here in Olympia, we keep business close to home. All lending decisions are made locally.
Because each business is unique, we offer products and solutions tailored to your specific needs.
There's a reason Heritage is still thriving after 90 years. We offer the depth of knowledge to be competitive in any market-in any era.
Review your business and credit history to determine how you handle debt.
Use credit reporting/scoring agencies to review your payment history.
Use several methods to calculate your cash flow, which we consider to be the primary source for your loan repayment.
Analyze whether your business has the capacity to repay the loan in the event of a downturn. We'll look at your ability to convert assets to cash or borrow against those assets.
Provide the option of both secured and unsecured loans. Generally, the less you provide for collateral, the higher your interest rate will be.
You will be required to provide the following information and documentation: