Heritage Bank Inc
SBA lender based in Kentucky serving 49 states and 58 industries
Heritage Bank Inc has funded 573 SBA loans across 49 states and 58 industries. Their average loan size is $432K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against Heritage Bank Inc and 897+ alternatives based on closing probability + pricing.
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Book a CallWhy borrowers choose Heritage Bank Inc
Heritage Bank Inc is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $432K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is California. With 573 SBA loans funded across 49 states, they are one of a small set of true national SBA lenders. Their portfolio default rate is 1449.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against Heritage Bank Inc and 897+ alternatives.
Recent SBA Activity at Heritage Bank Inc
Franchise lending: Heritage Bank Inc has funded SBA loans for multiple franchise concepts, with the highest volume in Crumbl, 911 Restoration, and Cupbop. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Construction of Buildings, and Repair & Maintenance. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are California, Florida, Ohio, Texas, and Utah. Lenders typically underwrite faster in states where they already have closing comps.
Compare Heritage Bank Inc to Similar SBA Lenders
Other SBA lenders headquartered in Kentucky with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
Looking for SBA Financing?
Tell us about your deal and we'll match you with the right capital source from our network. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.
About Heritage Bank Inc SBA Lending
Heritage Bank Inc is an SBA lender headquartered in Kentucky. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Heritage Bank Inc serves borrowers across 49 states and 58 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether Heritage Bank Inc is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting