Business Borrowing

Business Borrowing

Your Business Borrowing Partner

At Midwest Heritage, a great rate is just the beginning. When working with our experienced commercial lenders, you can expect timely decisions from people you know and trust. The beauty of being a community bank is that we understand every business is unique and that one size does not fit all. Therefore, we take the time to get to know our customers and their businesses.

Our clients receive a dedicated commercial lender and support team who will work hard to understand their business and serve their lending needs. In addition to offering flexible financing for businesses, we also offer a full suite of depository and treasury management products and services.

Business Loans

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Agricultural Lending

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Practice Financing

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Real Estate Loans

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Recreational Land Loans

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Treasury Management

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The Midwest Heritage Difference


We understand that not all businesses are the same. As a local lender, we’re able to get to know your business to make decisions on your borrowing needs.

Speed to Market

In today’s world, timing is everything. Our commercial team strives to exceed customer expectations when it comes to the speed of communication and loan closing.

Versatile Solutions

Whether you’re looking to expand your business or build one from the ground up, we have a variety of lending solutions to meet your needs.

Flexible Financing

Once we’ve gotten to know your business, we’re able to offer flexible financing options for commercial loans and think outside of the box to meet your needs.

Meet Our Lenders

Our lenders specialize in a variety of industries and can share their expertise in offering flexible financing to make your dreams a reality.

Get in Touch

Reach out to our team to request more information about our tailored solutions. We’ll be in touch within two business days of submission.

Personal Information



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Business Borrowing FAQs

Getting a business loan doesn't need to be complicated when you work with an experienced lender. First, you should evaluate what kind of loan you need by figuring out where your finances are. Decide how much money you will need to get going or enhance the company.

Next, you will need to talk to one of our lenders. They may ask you to provide financial info and business documentation. This helps our credit team see what you can qualify for. Your lender is your point of contact through the process from application to closing.

When wanting to get a business loan it is important to prepare 2-3 years of personal/business tax returns, associated K-1s and a recent personal financial statement. Additional documentation may be required depending on the type of loan/business. Your lender will walk you through the process.

While not common, it is possible with the right credit score, financing structure or other forms of collateral to execute a loan with no cash down. If you have questions on whether or not you qualify, how much money the down payment on your loan would be or if you need a down payment, we would love to meet with you to talk further about your business and how we can make it as successful as possible.

Typically, anywhere from 640 and above is what you will need for a business loan. However, your credit score is only a small piece of our evaluation process. We take a look at your business history, needs and other information to determine what we can offer your business. If we can't offer you a business loan, we can sit down and figure out other solutions that can help your business thrive.


Products offered by Midwest Heritage Insurance Services are not insured by the FDIC or any other Federal Government Agency, are not a deposit or obligation of, or guaranteed by Midwest Heritage, may involve investment risks, including possible loss of principal amount invested, and may lose value.