These loans can be used for a variety of purposes. The review of the application determines interest rates and terms.
- Working Capital
- Leasehold + Building Improvements
- Equipment Purchases
- Training
- Innovation + Technology
Let’s get your dream business started.
At Valley Heartland, we put local entrepreneurs first. We understand the effort that goes into running your business. Behind all the numbers is a hard-working entrepreneur contributing to our community.
We offer local businesses flexible financing solutions. Valley Heartland loans are exclusively available to entrepreneurs in Lanark County + North Leeds and all funding decisions are made locally.
Loan Programs + Process
Our staff reviews all loan applications; our Investment Committee additionally reviews requests over $15,000. We aim to provide an efficient review process and response time, but timelines can depend on various factors. We will communicate timelines with you throughout the entire application process.
Business Loans (Up to $300,000)
Express Loans (Up to $15,000)
These loans can be used for a variety of purposes. The review of the application determines interest rates and terms.
- Working Capital
- Leasehold + Building Improvements
- Equipment Purchases
- Training
- Innovation + Technology
How do I get started?
1. Let's Talk
Schedule a phone call, video call or in-person meeting to explore your business needs and financing options.
2. Application
Complete our simple online application (linked below). We will review your submitted application and reach out if additional information is required.
3. The Review
Once we've received everything, we will do a final review and present your application to our Investment Committee for a decision. All your information is held in the strictest of confidentiality.
4. The Decision
All applicants will be notified whether their request to get a loan is approved, declined, or deferred for more information. If we cannot lend to your business, we will continue offering support services and help you explore other options. We will meet with you to review and sign your loan documentation if we approve your request.
5. Support
We are still here for you even once you’ve received funding. We know what goes into growing a successful business, and we're here to help you get there. Our business advisory support is always confidential, free, and can be ongoing.
Confidentiality
We value your business and recognize that confidentiality is essential to you. We exercise the highest degree of discretion and can enter a non-disclosure agreement with you if necessary. You can confidently discuss your investment plans with us, knowing that the details will remain confidential.