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Business Loans

Got a small business? Grow with us.


Can a Loan Help Your Business?

Looking for cash for your small business? Before talking to a lender, here are some questions to get you started:

  • Do you need money to start or expand your business or as a cushion against risk?
  • How urgently do you need money?  (It’s easier to look ahead – and better for your business — than to find money under pressure)
  • How great are your risks?
  • What will you use the money for?
  • How strong is your management team?
  • How does your need for financing fit your business plan?  (If you don’t have one, it’s a good idea to get writing!)

What We’ll Need

  • A Personal and/or business financial statement that’s complete, signed and dated
  • Complete personal and/or business tax returns for the last three years.
  • 12 months income and expense projection/profit and loss/cash flow.
  • Business plan
  • Accountant’s name and phone number
  • Business insurance agent and phone number
  • Articles of Incorporation and Bylaws (if applicable)
  • Articles of Organization or Operating Agreement – LLC, Corp or Partnership (if applicable)

Please contact Our Lenders for more information.

Loan Application

Fill out the following for to begin the application process.

Download Form


This form for the purpose of procuring, establishing, and maintaining credit.

Download Form

Income & Expenses

Print, fill out and fax, mail or drop off at the Heartland nearest you.

Download Form

Are you ready to change?

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