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What are Certified and Preferred SBA Lenders?

What are Certified and Preferred SBA Lenders?

Adapted from the U.S. Small Business Administration Web site.

The SBA works with many banks to provide small businesses with financing. This opens up funding opportunities for companies that may not qualify for bigger loans from venture capitalists or angel investors. Read our guide to Bank Loans for Small Businesses, which lists some of the key elements that a bank looks for in a good loan applicant.

The most active and expert SBA lenders qualify for the SBA’s Certified and Preferred Lenders Program. Participants are delegated partial or …

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Avoid Coronavirus Scams

Avoid Coronavirus Scams

Tips to Avoid Coronavirus Scams and Protect Your Money

Unfortunately, fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn about the common scams and what you can do to protect yourself.

Common Scams 10 Tips to Avoid Becoming a Victim

Watch out for phishing scams.  Phishing scams use fraudulent emails, texts, phone calls and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with, …

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Rise up with Heritage

Rise up with Heritage

Heritage Bank has endured seven recessions, multiple farm crises, floods, tornados and even disco during the 70’s. We made it through these tough times. We rallied and pulled ourselves up by our bootstraps. We worked diligently with our fellow employee-owners, customers and communities to makes things better. As a team we achieved.

With the recent outbreak of COVID-19, our world is experiencing another tough time. We see our family, friends and neighbors around the country falling on hard times from the virus itself and from the …

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Bankrate’s Top Regional Bank

Bankrate’s Top Regional Bank

We are honored to be named as the 2020 Top Regional Bank for our eCentive Account, Heritage Direct savings, and Carefree Checking. Find out more about these great accounts here!

Heritage Bank’s Carefree Checking account scored well because it doesn’t require a minimum balance. You also only need $100 to open an account.

Heritage Bank, which has locations in Iowa, Minnesota and South Dakota, had the savings account with the highest annual percentage yield (APY) among the top regional banks. This account, the Heritage Direct Savings account, …

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KEVIN OWENS RECEIVES IOWA AWARD

KEVIN OWENS RECEIVES IOWA AWARD

As part of the Economic Development Rural Initiative Program, Dakota Business Finance established an annual program to present community lending awards.

On Wednesday, Oct 9, the communities of Milford and Odebolt were presented with awards and special recognition was given to the lenders who contributed to receiving the award.

We are proud to congratulate our own commercial banking expert, Kevin Owens, for his assistance with the Odebolt loan!

Communities with a population of 50,000 or less are eligible for this award. The ultimate goal is to help grow …

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Marnach earns Iowa Preferred Lender designation

Marnach earns Iowa Preferred Lender designation

Teresa Marnach, Mortgage Loan Originator, NMLS# 1563290 Receives Preferred Lender Designation

 (DES MOINES) – The Iowa Finance Authority (IFA) today announced that a total of 20 lenders have earned IFA’s 2020 Preferred Lender designation. IFA Preferred Lenders serve as ambassadors for Iowa home buyers seeking assistance with the homeownership process and are expertly trained in IFA mortgage and down payment assistance programs.

IFA offers affordable mortgage and down payment assistance programs for eligible homebuyers through a seamless process with a network of hundreds of valued Participating …

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We are hiring!

We are hiring!

We are currently looking for dynamic, hard-working people for several job postings – if you would like more information or would like to apply, we encourage you to contact Human Resources today!

Check out our Career Opportunities page and get your resume submitted today!

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Farm Operators impacted by government shutdown

Farm Operators impacted by government shutdown

Written by Kent Thiesse, Farm Management Analyst

Dated January 7, 2019

The partial shutdown of the U.S. government has entered its third week (as of January 7). The shutdown officially began after December 21, 2018. Through the holiday season, most of the discussion regarding the shutdown has been around the political division over the issues that initially lead to the shutdown. However, as the shutdown continues, more federal government services that will be suspended or reduced are being identified, and several of those could impact farm operators and …

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Scammers may attack via text and voice

Scammers may attack via text and voice

Malicious malware and scammers are constantly finding different ways to reach their targets. Whether it is via text scams (Smishing) or voice phone calls (Vishing), it is wise to educate yourself and be smart about what actions you take. As always, the first line of defense against cyber attacks is the user.

SMS or Text Phishing (Smishing)

Many people have had messages arriving as a text from unknown numbers urging you to reply to a number or to click on a link and open it in your …

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COMPETING TO BUY A HOUSE IN THIS MARKET?

COMPETING TO BUY A HOUSE IN THIS MARKET?

First-time home buyers are both excited and nervous! There’s so much to learn, steps to take, research to do and then the big decision! It starts with the preparation and budgeting. Figuring out how to make the transition, when, where and what price point should be looked at. It can be overwhelming.
The first step needs to be getting pre- approved and we’ll talk more about that, but let’s just jump right to the end for now. Let’s say you do all the steps and then …

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