Commercial Loans

At Heartland Bank, we work with businesses of all sizes, from the sole-proprietor working from a home-based office to large corporations with locations across the nation. Whether you’re looking to increase your working capital, expand your business, or make an acquisition, we’ve got an experienced lending team ready to help you take the next step.

Small Business Lending Program

We understand the success of your small business is no small matter. As one of only six institutions in the state of Arkansas selected to participate in the Department of the Treasury’s Small Business Lending Fund Program, we are dedicated to helping your small business grow and succeed. 

USDA Business and Industry Lending Program

Let our experienced lenders help you gain increased access to business capital and more affordable financing through a loan guarantee with the United States Department of Agriculture (USDA). Ask us today if your business is eligible for a USDA guarantee.


No one cares about the health of your practice more than you do. When you choose Heartland Bank as your lending partner, you can trust you’re getting a partner that understands your industry and has extensive experience from years of working with many different types of businesses within the industry. Some of the groups we have worked with include:

  • Nursing Homes
  • Rehabilitation Centers
  • Medical Supply Companies
  • Pharmaceutical Companies
  • Assisted Living Facilities
  • Dental Practices
  • Primary Care Practices
  • Practice Management Companies
  • Hospitals

Accounts Receivable Lending

Do you need to boost cash flow by collecting on receivables now? With our Business Manager program, you can do just that. By quickly adding cash from receivables into cash flow, you can easily manage making payroll, filling that next customer order, and growing your business.

Commercial Real Estate

Whether you’re in construction, investment, or acquisition and development, let our experienced Commercial Real Estate Lenders put their industry knowledge and market expertise to work for you.

Other Lending

We’re always willing to think outside of the box. If you have a lending need, we’ll be happy to have one of our Commercial Lenders contact you to discuss how Heartland Bank can help.

All loans are subject to application and credit approval.

Contact us today and let us build a successful relationship with you and your business.