On February 1, Town and Country Bank / People’s Prosperity Bank merged with Heartland Bank and Trust Company. Heartland Bank is a wholly owned subsidiary of HBT Financial, Inc., headquartered in Bloomington, Illinois. While our offices now operate as Heartland Bank branches, the merging of Town and Country / People’s Prosperity Bank data won’t occur until close of business on Friday, April 21st. Please continue to use former Town and Country Bank branches and online services to conduct your business until after our systems conversion in April. At that time, all Heartland Bank offices and services will be available for your banking needs!
 
For the most up-to-date merger information, please visit https://www.hbtbank.com/welcome. Heartland Bank is committed to ensuring a smooth transition with a minimal impact on customers. Please look for additional information in the next few months.

  • Business Banking

Business Lending

No matter what your business needs, Heartland Bank and Trust Company have the commercial loans to help. Our team of business bankers takes the time to work with you one-on-one to customize our products and services. We are here to listen and assist you with business financing options.

Start a conversation with our experienced business lending team today. Contact a lender, visit one of our locations or request a financial review to discuss the needs of your business.

What is a bank loan for business?

If your business needs increased cash flow or funds for a large purchase, business loans are available to help. There are many types of business loans. A loan can help you purchase a new office building or cover the cost of equipment repairs. If your business is experiencing a dip in working capital, a commercial line of credit can help cover your bills until business picks back up. Our business financing options are designed to meet the specific and unique needs of local businesses operating in Central Illinois and the Metro East.

Business Lines of Credit

  • Provides your business with financial flexibility.
  • Repayment terms are customized to fit around the unique needs of your business.
  • Revolving credit - as the loan principal payments are made, funds become available for use up to your credit limit.

Learn more about business lines of credit

Business Term Loans

  • Competitive rates for a wide range of business purposes.
  • Flexible lending packages tailored to your business needs.
  • Local decision-making and processing.

Learn more about business term loans

Small Business Administration (SBA) Loans

  • Available for start-up businesses, the purchase of a new business, or expansion of an existing business.
  • Flexible terms and competitive rates.
  • SBA 504 and 7a programs are available.
  • Preferred SBA Lender.

Learn more about SBA Loans

Commercial Government Loan Programs in Illinois

  • Available for start-up businesses, the purchase of a new business, or expansion of an existing business.
  • Flexible terms and competitive rates.
  • Illinois DCEO Advantage Illinois Participation Program available.

Learn more about Commercial Government Loan Programs in IL

Equipment Loans and Leasing

  • Competitive rates for new or used equipment
  • Customized terms, designed around the unique needs of your business
  • Meet needs without utilizing working capital or savings

Learn more about equipment loans and leasing

Commercial Real Estate Loans

  • Competitive rates for the purchase, construction or refinance of commercial properties
  • Available for owner-occupied or investment properties
  • Flexible repayment terms

Learn more about commercial real estate loans

Public Finance

  • Public finance package that includes public fund deposit offerings and treasury management solutions.
  • Public finance experts who have built relationships with local engineers, attorneys, bond counsel, and municipal vendors.
  • Available for small project needs, buildings, and more.

Learn more about public finance

Agriculture Lines of Credit 

  • Competitive rates for a wide range of agribusiness-related needs
  • Provides greater financial flexibility
  • Only pay interest on the advanced balance

Learn more about agriculture lines of credit

Farm Real Estate Loans 

  • Competitive rates for the purchase, refinance or construction of farm properties
  • Available for owner-occupied or investment properties
  • Repayment terms customized to fit your operation's unique needs

Learn more about farm real estate loans


We Can Help

We specialize in helping businesses succeed! Heartland Bank and Trust Company serve and empower local communities in Central Illinois and the Metro East, one person or business at a time. Our branch locations include Springfield, Jacksonville, Lincoln, Decatur, Bloomington, Edwardsville, Fairview Heights, and Quincy. When you need the best bank for business loans, don’t hesitate to contact us or request a consultation with our business team today!