Heartland Business Services

Heartland Business Services offers credit unions a full service business lending backroom. Our experienced staff satisfies all NCUA member business lending experience requirements.

Although Heartland is owned by Missouri credit unions, we offer our business lending services to credit unions throughout the Heartland of America.


Our member business lending services include:

Member Business Lending Marketing and Training

Let HBS help your credit union establish its MBL policies. This is the first step in member business lending. Heartland Business Services also offers basic training in member business lending to help your employees understand the requirements and structure of business loans.

Member Business Loan Underwriting

Heartland Business Services may complete the credit analysis and underwriting or contract with an approved third party to provide these services.

Member Business Credit Recommendation

HBS provides credit recommendations on all credit offerings. The final credit authority remains with the credit union, however, that decision is much easier to make with the recommendation of the experienced staff of Heartland Business Services.

Member Business Loan Boarding

All loans serviced by Heartland Business Services are maintained on our business lending platform. While the loans are owned by the credit unions, HBS performs all the loan monitoring.

Member Business Loan Payment Processing

Heartland Business Services processes loan payments and reconciles with the credit union monthly.

Member Business Lending Credit Pre-qualification

Let Heartland Business Services pre-qualify your loan offerings, to ensure all required information is obtained and that the credit makes sense.

Member Business Loan Documentation

Once the loan is approved, Heartland Business Services provides the credit union with a complete set of business loan documents.

Member Business Credit File Management and Maintenance

Heartland Business Services retains a complete credit file for loans serviced by HBS. We ensure that credit files are kept current with the required information including financial statements, loan covenant compliance, and insurance

Member Business Billing and Collection Activity

Heartland Business Services sends the required billing statement and completes all collection activity.

Member Business Loan Participations

Heartland Business Services coordinates and services loan participations for the credit unions. If you are interested in participating in other credit union's member business loans or have a loan that you would like to participate, HBS can provide the coordination and servicing.

We can help your credit union

Heartland Business Services can assist you to better meet the needs of your members and community by providing member business lending products.

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