Business Loans

Commercial Loans

Small Business Loans and Lines of Credit

Provides your company with flexibility for temporary and ongoing working capital needs.
Allows you to re-borrow and repay as often as you require.

SBA 7(a) and 504 business loans

  SBA 7a SBA 504 USDA B&I


Typically longer terms than conventional financing
Lower down payment
Fully amortized
More flexible qualifying standards than conventional financing

Typically lower rate (blended) than conventional financing
Longer term than conventional fully amortized loans
Up to 90% combined loan to value on real estate purchase

Lower down payment to conserve working capital
Longer term than the conventional financing
Fully amortized loans
Up to 80% loan-to-value on real estate purchases, subject to underwriting guidelines


Purchasing, or renovating commercial real estate (must be owner-user w/51% occupancy)
Purchase inventory or fixed assets
Working capital
Refinance of existing business debt

Purchase, construct, or renovate commercial real estate (must be owner-user w/51% occupancy)
Purchase equipment with useful life of at least 15 years

Purchase, construct or renovate commercial real estate for owner-users
Purchase equipment
Develop commercial lease projects


Real estate loans up to 25 years
Machinery and equipment up to 10 years
Working capital up to 10 years

Bank Loan: up to 25 years fully amortized
SBA/CDC Loan: 20 years for real estate and 10 years for equipment  Interest rate fixed for term

Real Estate loans
Up to 80% loan-to-value, subject to underwriting guidelines; up to 30 years fully amortized
Machinery and equipment; up to 15 years


For additional information regarding the SBA and its products, please visit:


Term Loans

Can be used to finance equipment purchases, permanent working capital or  capital expansion.

Government Guaranteed Loans

Funds available for small business loans, working capital loans, or long term projects.

Real Estate Loans

Commercial real estate loans (Bank Portfolio and Secondary Market).

Short Term Notes

Land Development

Letters of Credit

VISA© Credit Card




The Heritage Bank of Nevada lending and deposit areas include the counties of: Washoe, Douglas and Carson City. 

 We invite you to stop in or call any one of our seven Northern Nevada branches regarding your lending and deposit needs.