STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
110
2010–2026
Total Volume
$31M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
110 total segments
Heritage Bank of the Ozarks focuses heavily on startups, with 46% of their deals going to new businesses. This could be beneficial if you're a first-time borrower.
The bank offers competitive pricing with an average 7(a) spread of P+2.05%, which is lower than the national median of P+2.75%. This could save you money on interest.
Heritage Bank has seen a decline in lending activity, with a 25% drop in deals year-over-year. This trend may indicate a tighter approval process, so be prepared for scrutiny.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 5 504 loans, which use fixed SBA debenture rates.
States where Heritage Bank of the Ozarks has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Nursing & Residential Care
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Auto Dealers & Parts
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Agriculture & Forestry
Agriculture & Forestry
+ 7 more
All recorded SBA lending activity for Heritage Bank of the Ozarks, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.88% | $44K | Q3 2022 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+2.75% | $73K | Q4 2023 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 8 | P+2.88% | $76K | Q1 2020 |
| Missouri · Manufacturing · Under $150K | 7(a) | 8 | P+2.38% | $64K | Q4 2025 |
| Missouri · Auto Dealers & Parts · Under $150K | 7(a) | 4 | P+2.38% | $50K | Q2 2018 |
| Missouri · Nursing & Residential Care · Under $150K | 7(a) | 4 | P+2.50% | $60K | Q3 2022 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.00% | $51K | Q3 2024 |
| Missouri · Manufacturing · $500K – $1M | 7(a) | 3 | P+1.50% | $822K | Q3 2023 |
| Missouri · Nursing & Residential Care · $1M – $2M | 7(a) | 3 | P+1.50% | $1.3M | Q2 2016 |
| Missouri · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.50% | $85K | Q1 2017 |
| Missouri · Nursing & Residential Care · $500K – $1M | 7(a) | 3 | P+1.50% | $722K | Q4 2017 |
| Missouri · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.13% | $139K | Q3 2021 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.75% | $230K | Q2 2020 |
| Missouri · Building Construction · Under $150K | 7(a) | 2 | P+2.25% | $60K | Q4 2016 |
| Missouri · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+3.31% | $95K | Q4 2014 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+2.94% | $32K | Q2 2017 |
| Missouri · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+2.63% | $62K | Q2 2017 |
| Missouri · Retail Trade · Under $150K | 7(a) | 2 | P+3.00% | $25K | Q2 2014 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.63% | $43K | Q2 2022 |
| Missouri · Hotels & Accommodation · $500K – $1M | 7(a) | 1 | P+1.50% | $578K | Q3 2021 |
| Missouri · Engineering & Architecture · Under $150K | 7(a) | 1 | P+2.50% | $30K | Q2 2022 |
| Missouri · Wholesale Trade · $500K – $1M | 504 | 1 | — | $875K | Q2 2021 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 7(a) | 1 | P+2.75% | $275K | Q1 2014 |
| Missouri · Auto Repair & Maintenance · $350K – $500K | 7(a) | 1 | P+2.00% | $372K | Q2 2013 |
| Missouri · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+2.00% | $175K | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with Heritage Bank of the Ozarks.
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