Building business lending solutions for America’s Heartland

To assist credit unions to better meet the needs of their members and communities by providing a full service member business lending backroom.

Member Business Lending Marketing and Training

Member Business Lending Credit Pre-qualification

Member Business Loan Underwriting

Member Business Loan Documentation

Member Business Lending Servicing

Heartland Business Services

We’re a Credit Union Service Organization (CUSO) established to provide Member Business Loan services. Eighteen Missouri credit unions along with Heartland Credit Union Association and Millennium Corporate Credit Union formed Heartland Business Services in 2005.

As a credit union service organization, Heartland Business Services offers your credit union a turnkey solution to member business lending. By partnering with HBS, your credit union can quickly, economically, and safely offer a full line of business loans to your existing and potential members. Visit our Services page for a complete list of the services offered by Heartland Business Services. Although HBS is owned by Missouri credit unions, we offer our business lending services to credit unions throughout the Heartland of America.


How HBS’s Solutions Work

  • Loans serviced by Heartland Business Services remain assets of the credit union.

  • HBS provides its services based on a predetermined fee structure. All interest earned on the loans are earnings of the credit union.

  • All loan advances are funded by the credit union. On a monthly basis, HBS reconciles all loan payments it receives with the credit union.

Credit Union HBS
Loan Program Marketing
Loan Origination
Credit Pre-qualification
Credit Underwriting
Loan Documentation
Loan Closing
Loan Funding
Boarding of Loan
Payment Billing / Posting
Loan Participations
Training of Credit Union Staff
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