SBA lender profile
Heartland Business Capital, Inc.
Heartland Business Capital, Inc. appears in the public SBA loan data with 305 funded 504 loans totaling $191.5M, an average of $628K per loan, and an estimated 2,448 jobs supported. Its SBA lending concentrates in Kansas and the Health Care and Social Assistance sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
305
Total volume
$191.5M
Average loan size
$628K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
2,448
Programs
504
Heartland Business Capital, Inc. is a Certified Development Company (a 504 lender), not an FDIC-insured bank.
Where Heartland Business Capital, Inc. lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Kansas | 148 | $108.1M |
| Missouri | 155 | $81.4M |
| Michigan | 1 | $1.7M |
| North Carolina | 1 | $377K |
What Heartland Business Capital, Inc. funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Health Care and Social Assistance | 53 | $36.2M |
| Professional and Technical Services | 45 | $27.9M |
| Retail Trade | 26 | $26.6M |
| Accommodation and Food Services | 29 | $22.3M |
| Manufacturing | 31 | $19.0M |
| Construction | 31 | $14.7M |
Heartland Business Capital, Inc. SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 24 | $16.2M |
| 2011 | 27 | $11.9M |
| 2012 | 19 | $10.1M |
| 2013 | 23 | $15.4M |
| 2014 | 20 | $9.8M |
| 2015 | 19 | $7.8M |
| 2016 | 13 | $4.4M |
| 2017 | 20 | $12.9M |
| 2018 | 15 | $11.7M |
| 2019 | 11 | $8.4M |
| 2020 | 21 | $13.0M |
| 2021 | 34 | $25.3M |
| 2022 | 19 | $11.6M |
| 2023 | 15 | $11.9M |
| 2024 | 12 | $11.5M |
| 2025 | 11 | $7.1M |
| 2026 | 2 | $2.5M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Heartland Business Capital, Inc.'s funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.