FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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BUSINESS LOANS & LINES OF CREDIT

Grow Your Business

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Local Loans to Fund Your Growth

Which product is right for you? Explore a full suite of products and services to suit your business needs. To learn about our custom solutions, make an appointment with one of our experts.

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 non-owner occupied properties? Discover innovative solutions for both.

Agribusiness loans
Offerings include term lending, lines of credit, USDA, FarmerMac and FSA loans.

SBA loans
As a preferred Small Business Administration lender specializing in 7(a) and 504 loan programs, our bankers will provide you with added assistance.

Construction Loans
With a team dedicated to commercial construction lending, we're always prepared to provide you with the best financing options for your project.

Which loan is right for my business? (PDF)
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Flexible loan options. Fast and convenient process.

 

Business Specialties

Whatever your specialty, we have the experience in financing acquisition, expansion, construction, commercial real estate, refinancing, equipment working capital and Small Business Administration (SBA) lending programs.
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Dental financing
Our experienced bankers are ready to help whether you already have an established practice or are getting ready to build one.

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Legal financing
We'll support your growing business and take care of your financial needs so you can focus on taking care of your clients.

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Veterinary financing
Ready to grow your practice? Our customized financial solutions will allow you to continue providing quality care.

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Why finance with Heritage?

Right near you

Headquartered right here in the Pacific Northwest, we keep business close to home. All lending decisions are made locally.

Custom solutions

Because each business is unique, we offer products and solutions tailored to your specific needs.

History of success

There's a reason Heritage is still thriving after more than 95 years. We offer the depth of knowledge to be competitive in any market-in any era.

 

Our lending criteria

When determining whether you're a right fit for doing business banking with us, Heritage Bank always employs the five "Cs":

Character
Review your business and credit history to determine how you handle debt.

Credit
Use credit reporting/scoring agencies to review your payment history.

Cash Flow
Use several methods to calculate your cash flow, which we consider to be the primary source for your loan repayment.

Capacity
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.

Collateral
Provide the option of both secured and unsecured loans. Generally, the less you provide for collateral, the higher your interest rate will be.

Get Started.

You will be required to provide the following information and documentation:

  • Business name
  • Business taxpayer ID number or Social Security number
  • Business structure (i.e., Sole Proprietor, Limited Liability Company, Corporation) and copy of legal formation
  • Business owners (i.e., proprietor, LLC members, corporation directors, president)
  • Personal financial statements, one for each owner/guarantor
  • Past three years of IRS tax returns for both personal and business
  • Past three years of business financials (i.e., balance sheets, profit and loss statement)
  • Bank checking and/or savings account statements
  • Contact information

Talk with an expert.

Make an appointment with one of our experts today.