On February 1, Town and Country Bank / Peoples Prosperity Bank merged with Heartland Bank and Trust Company and operate as branches of Heartland Bank. Heartland Bank is a wholly owned subsidiary of HBT Financial, Inc., headquartered in Bloomington, Illinois. The merging of Town and Country Bank / Peoples Prosperity Bank data into Heartland Bank systems begins at close of business on Friday, April 21. To ensure a seamless transition, your online banking, bill pay, and mobile banking services may be unavailable from April 22 until the morning of Monday, April 24.

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.

Commercial Real Estate Loans

Build your business on a firm foundation. From buying established office space to building brand new facilities, our local lenders will help you find a home for your business. Depending on the scope of your project, we offer business construction loans, commercial mortgages, and more. Commercial real estate financing provides the capital you need to purchase a commercial property, renovate your current space, build a new one, or all of the above. Our business lenders understand that no two commercial real estate projects are the same. We personalize the loan packages we create in order to best support your business objectives.

Competitive rates for the purchase, refinance, or construction of commercial properties

  • Choose a shorter or longer-term depending on the loan type and your budget.
  • Renovating? You may be able to secure financing for the after-repair value of your commercial property.
  • Building from the ground up? We provide short-term construction financing that can be converted into a business mortgage once your project is complete and move-in ready.

Available for owner-occupied or investment properties

Whether you are a commercial real estate investor or a business owner with your own space, Heartland Bank and Trust Company Bank and Peoples Prosperity Bank can help you create a financing package to support your renovation or purchase goals.

Repayment terms customized to fit around the unique needs of your business

Our business lending team works with your company’s goals and budget to create a loan repayment term and options that work for you.

Lending professionals with a working knowledge of the local real estate market

Our business lending team has deep roots in Central Illinois and Metro East. Many of our bankers grew up in the area and all have years of experience helping local businesses and real estate investors achieve their goals.

Enjoy the flexibility that comes with local decision-making and business real estate loan processing.

At Heartland Bank and Trust Company Bank and Peoples Prosperity Bank, we specialize in helping businesses succeed. Our local ownership gives us the flexibility to develop relationships with our clients and customize loans accordingly. Go through the entire process with bankers who know you and care about your company's success. When we help local businesses obtain the financing they need, we fulfill our mission to empower the financial well-being of our communities, one person at a time.

Detailed, attentive service from application to closing

Stand side by side with a local institution. Community banks and small businesses are a perfect match. Both care about the local community and understand the interconnected nature of success. One local company's expansion is good for other businesses and residents. Whether you're new to business financing or not, our commercial real estate lenders are available to assist you throughout the application process, from collecting the necessary financial documents to being the first to say, "Congratulations!" at your loan closing. Ready to learn more about business property loans and other types of commercial real estate financing? Request a consultation with our business lending team or visit your local branch in Central Illinois and the Metro East.