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.

Equipment Loans & Leasing

As your business grows, you may discover the need for new equipment. At Heartland Bank and Trust Company, we know that the right equipment makes all the difference. That's why we offer equipment loans and leasing options with flexible terms and competitive rates that meet your business' needs and give you an edge over your competition.

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What is an Equipment Loan?

Whether you need to replace outdated equipment or upgrade to newer technology, an equipment loan may be the right answer for you. We provide financing for a wide variety of areas, including agriculture, commercial, construction, manufacturing, laboratory, municipal, and school equipment. Instead of draining your savings or working capital, an equipment loan protects your working capital and keeps it available for daily operating expenses.

What are the benefits?

  • 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
  • Stay ahead of your competition
  • Avoid effects of down production periods and outdated equipment
  • Local decision-making and processing
  • Attentive, friendly service from application to closing

Equipment Leasing

The right equipment keeps your business thriving and competitive, but growing and maintaining your equipment inventory can be costly and drain your cash flow. Commercial equipment lease financing allows you to purchase the equipment you need, without depleting your working capital or savings on a down payment.

What is Business Lease Financing?

There are times when leasing your equipment may be a better choice than an outright purchase. A business equipment lease from Town and Country Bank and Peoples Prosperity Bank helps you get the equipment you need to succeed. We offer equipment leasing options for most businesses, including agriculture, commercial, construction, manufacturing, laboratories, municipals, and schools.

Benefits of Business Lease Financing

  • 100% financing and no down payment required
  • New or used equipment
  • Variable payment terms available for seasonal customers
  • Fixed-rate for the lease term
  • Most leases can be structured to meet tax objectives (Consult your tax advisor to assess which lease best fits your business needs)

Why Choose Heartland Bank and Trust Company?

At Heartland Bank and Trust Company, our lenders are experienced in local decision-making and processing. Our lenders pride themselves on their detailed, attentive service from application to closing. Unlike traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease.

The Right Solution is Waiting

As your community bank, we understand the unique needs of businesses within our community. Heartland Bank and Trust Company serve and empower local communities in Central Illinois and Metro East, one person or business at a time. Our branch locations include Springfield, Jacksonville, Lincoln, Decatur, Bloomington, Edwardsville, Fairview Heights, and Quincy. Our associates are ready to connect you with a lender.