Heritage Community Bank

This is a community-focused bank offering SBA lending programs to help small businesses grow and succeed. You can find personalized financial solutions, expert guidance, and support for various business needs, including expansion and working capital.

It's recommended to schedule an appointment to ensure dedicated time with a lender, but walk-ins are also welcome during business hours. Calling ahead can help you prepare and streamline your visit.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM. It's best to contact the branch directly for specific appointment times or after-hours assistance.

There are no fees for simply visiting the bank; however, loan processing and application fees may apply depending on the services used. It's advisable to discuss fee details with a loan officer.

This bank primarily serves local residents and businesses within the community. Non-residents may be eligible if they meet certain criteria and have a business presence in the area.

A minimum personal credit score of around 640 is typically preferred, though higher scores can improve approval chances and loan terms.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Heritage Community Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Heritage Community Bank to confirm current weekend availability before you go.

Heritage Community Bank is located in Missouri — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Heritage Community Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Heritage Community Bank itself, which runs its own lending under its own ownership. If you work at Heritage Community Bank, you can claim this listing from this page to manage it.

The core details for Heritage Community Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Heritage Community Bank before applying. If you represent Heritage Community Bank, claim this listing to keep its information up to date.

You can reach Heritage Community Bank by phone at (636) 584-8880 or online at hcbanks.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Heritage Community Bank before relying on them.

Based on its approved SBA loans, Heritage Community Bank most often finances businesses in restaurants & food service. This reflects Heritage Community Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Heritage Community Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Heritage Community Bank participates in SBA Express depends on its specific SBA lending authority. Contact Heritage Community Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Heritage Community Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Heritage Community Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Heritage Community Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Heritage Community Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Heritage Community Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Heritage Community Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Heritage Community Bank weighs this case by case under its own policy, so be upfront about your history and ask Heritage Community Bank how it evaluates prior bankruptcies.