Go Back
Report Abuse

Heritage Bank, National Association

photo-896.jpg
photo-896.jpg

Description

Heritage Bank, National Association offers comprehensive SBA lending solutions designed to support small businesses across various industries. With a focus on facilitating growth and expansion, the bank provides tailored financing options that include SBA 7(a) loans, which are ideal for working capital, equipment purchases, and real estate acquisitions. Their experienced lending team works closely with clients to understand their unique needs and guide them through the application process, ensuring a smooth experience from start to finish. Located in Spicer, Minnesota, the bank serves local entrepreneurs and small business owners, helping them access the capital necessary to thrive in competitive markets. Whether you’re a startup seeking initial funding or an established business looking to expand, Heritage Bank offers flexible terms and personalized service to meet your financial goals. Their commitment to community development and small business support makes them a trusted partner in your growth journey.

Location

There are no reviews yet.

Q&A

Lender Type
Commercial Bank
Google Rating
3.7
Google Review Count
9
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that specializes in SBA loans and small business financing, providing tailored lending solutions to support growth and expansion for local entrepreneurs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a lender, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank operates during regular business hours, typically Monday through Friday from 8:30 AM to 5:00 PM.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting the bank, but loan application and processing fees may apply depending on the financing options selected.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and small business owners within Minnesota, but they may consider out-of-state applicants on a case-by-case basis.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is typically required, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.
Scroll to Top