Heritage Bank of Nevada

Total Votes: 14  
Interest: 789

(775) 348-1000
2330 South Virginia Street
Reno, Nevada 89502

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Display Number: 24414
Business Loans

Commercial Loans

Small Business Loans and Lines of Credit

Provides your company with flexibility for temporary and ongoing working capital needs.
Allows you to re-borrow and repay as often as you require.

SBA 7(a) and 504 business loans

  SBA 7a SBA 504 USDA B&I


Typically longer terms than conventional financing
Lower down payment
Fully amortized
More flexible qualifying standards than conventional financing

Typically lower rate (blended) than conventional financing
Longer term than conventional fully amortized loans
Up to 90% combined loan to value on real estate purchase

Lower down payment to conserve working capital
Longer term than the conventional financing
Fully amortized loans
Up to 80% loan-to-value on real estate purchases, subject to underwriting guidelines


Purchasing, or renovating commercial real estate (must be owner-user w/51% occupancy)
Purchase inventory or fixed assets
Working capital
Refinance of existing business debt

Purchase, construct, or renovate commercial real estate (must be owner-user w/51% occupancy)
Purchase equipment with useful life of at least 15 years

Purchase, construct or renovate commercial real estate for owner-users
Purchase equipment
Develop commercial lease projects


Real estate loans up to 25 years
Machinery and equipment up to 10 years
Working capital up to 10 years

Bank Loan: up to 25 years fully amortized
SBA/CDC Loan: 20 years for real estate and 10 years for equipment  Interest rate fixed for term

Real Estate loans
Up to 80% loan-to-value, subject to underwriting guidelines; up to 30 years fully amortized
Machinery and equipment; up to 15 years


For additional information regarding the SBA and its products, please visit: http://www.sba.gov/about-offices-content/2/3133

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Heritage Bank of Nevada
1401 South Virginia Street
Reno Nevada 89502
Phone: (775) 348-1000

Heritage Bank, founded in 1995, is owned by 352 northern Nevada families.

Our goal has always been to be our communitys finest small and mid-sized business bank, and our focus has led to success and profitability.