Heritage Bank of the Ozarks
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Heritage Bank of the Ozarks · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 623990 | Other Residential Care Facilities | 8 | $4.7M | $584K | 7.7% |
| 722513 | Limited-Service Restaurants | 7 | $330K | $47K | 6.7% |
| 722511 | Full-Service Restaurants | 5 | $193K | $39K | 4.8% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 4 | $460K | $115K | 3.8% |
| 621310 | Offices of Chiropractors | 4 | $516K | $129K | 3.8% |
| 488410 | Motor Vehicle Towing | 3 | $550K | $183K | 2.9% |
| 441120 | Used Car Dealers | 3 | $180K | $60K | 2.9% |
| 484110 | General Freight Trucking, Local | 3 | $176K | $59K | 2.9% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 3 | $88K | $29K | 2.9% |
| 561730 | Landscaping Services | 3 | $450K | $150K | 2.9% |
Geographic Distribution
SBA lending activity for Heritage Bank of the Ozarks by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 104 | $27.7M | 100.0% |
Why Choose Heritage Bank of the Ozarks?
Based on SBA 7(a) lending track record from 2010-2025
- ✓Proven Track Record: 104 SBA loans approved, totaling $27.7M in financing
- ✓Industry Expertise: Specialized focus on Other Residential Care Facilities, Limited-Service Restaurants, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.29% with flexible term lengths averaging 131 months
- ✓Loan Range: Loan sizes from $10K to $2.5M, with an average of $266K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MO
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Heritage Bank of the Ozarks SBA lending
What types of businesses does Heritage Bank of the Ozarks typically finance?
Heritage Bank of the Ozarks specializes in SBA 7(a) lending to specific industries including other residential care facilities, limited-service restaurants, full-service restaurants, general freight trucking, long-distance, truckload. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Heritage Bank of the Ozarks's typical SBA loan terms?
Heritage Bank of the Ozarks's SBA 7(a) loans typically feature an average interest rate of 6.29% and average term length of 131 months (approximately 11 years). Loan sizes range from $10K to $2.5M, with an average loan size of $266K.
Do I need a business valuation for a Heritage Bank of the Ozarks SBA loan?
Yes, Heritage Bank of the Ozarks typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Heritage Bank of the Ozarks compare to other SBA lenders?
Heritage Bank of the Ozarks has originated 104 SBA loans totaling $27.7M since 2010. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Heritage Bank of the Ozarks lend in?
Heritage Bank of the Ozarks provides SBA 7(a) financing with particularly strong presence in MO. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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Certified valuations are often required for SBA loans over $250,000.
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