Customized Lending Solutions To Meet Your Needs.

Heritage Bank understands that growing businesses need capital to achieve their potential. Our commercial lenders are trained to think “outside of the box.” We take the time to get to know your business and to gain a clear understanding of your goals and strategies. We analyze your business’ cash flow and funding needs, and then customize a credit solution tailored to your business.

Heritage Bank Lending Services offers:

• • Commercial Lending

• • Commercial Real Estate Lending

• • Construction Lending

Commercial Lending

Our specialty is owner-managed businesses, including professional practices, distributors and developers. We offer flexible terms and competitive rates on a variety of debt alternatives including:

Lines of Credit

A revolving line of credit is a small-business essential. Use it to manage cash flow by financing short-term capital needs such as inventory, accounts receivable or other seasonal needs. With a line of credit, you may borrow, repay and borrow again.

Term Loans

Most often, term loans are used to finance fixed-asset purchases for items such as equipment, vehicles and furniture. Term loans can be used to finance permanent working capital or debt consolidation and are also available for buying, improving or refinancing commercial property.

Small Business Administration Loans

Small Business Administration (SBA) government-assisted loans provide a simplified process and coverage for almost any legitimate business purpose. Long-term, fixed-asset financing is also available. Loan offers include:

• • SBA 7 (a) guaranty loan up to $2 million

• • SBA 504 loan

Accounts Receivable Financing

Heritage Bank can help cover seasonal and other short-term operational needs. Many of these needs are solved by arranging a line of credit secured by a company’s receivables. Securing a line of credit with receivables is an option for many companies that might not otherwise qualify for an unsecured line of credit sufficient for their needs.

Commercial Real Estate Lending

A Range of Services for Developers, Investors and Owner-Occupants

Commercial Real Estate Lending is a key area of expertise for Heritage Bank. Our bankers are trained to develop a solid understanding of each opportunity and to work with our customers to structure competitive, innovative financing solutions. We work the developer, investor and the owner-occupied markets offering:

• • Construction Loans

• • Mini-Perm Loans

• • Acquisition and Development Loans

Developers and Investors

Heritage Bank works with both developers and investors to provide a full range of financing options for income-producing properties and land. We provide loans with up to 20 year maturities for construction, renovation, acquisition and development. We also have the ability to assist our customers by providing longer-term funding or access to a variety of permanent lenders.

• • Multi-family Residential

• • Retail

• • Industrial

• • Office

Owner-Managed Properties

Heritage Bank is committed to serving the needs of our owner-managed business customers. Today, many businesses are deciding that it is a wise decision to own the facilities they occupy, and we are ready to provide financing for this purpose. Heritage Bank works to understand each customer’s financial situation and develops a financing package that helps both the owner-manager and the business.

For more information about how Heritage Bank can help you with your real estate financing needs, contact:

• • Clayton County
    David Crow  770-515-7057

• • Henry County
    Kerry Arnold 678-284-3312

• • Fayette County
    Dan Vano 770-515-7033

Construction Lending

Your Lending Professional in the Homebuilding Business

As a residential developer or builder, you need a bank lending professional with an experienced and dedicated construction lending team. Heritage Bank provides financing for residential construction and development to homebuilders and residential developers. We offer a complete line of residential lending products and solutions. Our team of construction lending specialists has the expertise and experience you need to secure financing for:

• • Land acquisition for the development of subdivisions

• • Construction of single-family, detached homes

• • Construction of townhouses and condominiums

The majority of homes financed through the Heritage Bank construction lending area are entry-level or first and second “buy-up” homes. We also offer financing for higher-priced homes to homebuilders established in that market niche. To meet the needs of the dynamic South Metro Atlanta homebuilding business, we have established a loan production office that is solely dedicated to the needs of homebuilders and developers. Construction and residential mortgage loans for individual homebuyers are offered through Heritage Bank.