{"ok":true,"canonical_url":"https://dealroom.so/lenders/heritage-bank-of-the-ozarks","api_url":"https://dealroom.so/api/public/lenders/heritage-bank-of-the-ozarks","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-16","timezone":"America/Chicago"},"methodology":{"label":"SBA lender ranking methodology","url":"https://dealroom.so/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"lender":{"name":"Heritage Bank of the Ozarks","slug":"heritage-bank-of-the-ozarks","url":"https://dealroom.so/lenders/heritage-bank-of-the-ozarks","hq":"1475 S Jefferson Ave, Lebanon, MO","website":"http://www.heritagebankozarks.com","branchCount":3,"sbaFocus":{"pct":0.2,"pctile":51,"tier":"sideline"},"recentDealsSampled":33,"businessPurchases":10,"typicalDeal":174500,"dealRange25th75th":[50000,578000],"typicalDaysApprovalToFunding":20,"topIndustries":[{"count":3,"name":"Limited-Service Restaurants"},{"count":2,"name":"Electrical Contractors and Other Wiring Installation Contrac"},{"count":2,"name":"Septic Tank and Related Services"},{"count":2,"name":"Other Animal Food Manufacturing"},{"count":2,"name":"RV (Recreational Vehicle) Parks and Campgrounds"},{"count":2,"name":"General Freight Trucking, Long-Distance, Truckload"},{"count":2,"name":"Full-Service Restaurants"},{"count":2,"name":"Fitness and Recreational Sports Centers"}],"topStates":[{"count":33,"state":"MO"}],"topFranchises":[{"name":"Jersey Mike's","count":1,"url":"https://dealroom.so/franchises/jersey-mike-s"},{"name":"Kampgrounds of America","count":1,"url":"https://dealroom.so/franchises/kampgrounds-of-america"}],"recentDeals":[{"acquisition":false,"approvalDate":"1/12/2026","borrName":"JM Stewart Subs 1, LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Lebanon","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":"Jersey Mike's","fy":2026,"gross":603500,"industry":"Limited-Service Restaurants","jobs":3,"paidInFullDate":null,"processing":"7a General","rate":9,"revolver":"FALSE","sbaGuaranteed":452625,"soldSecMkt":null,"state":"MO","status":"COMMIT","subprogram":"Guaranty","termMonths":126},{"acquisition":false,"approvalDate":"12/23/2025","borrName":"Mannon Metal Works, LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Lebanon","collateral":true,"daysToFund":10,"firstDisbursement":"1/2/2026","fixedVar":"V","franchise":null,"fy":2026,"gross":56600,"industry":"Welding and Soldering Equipment Manufacturing","jobs":1,"paidInFullDate":null,"processing":"SBA Express Program","rate":9,"revolver":"FALSE","sbaGuaranteed":28300,"soldSecMkt":null,"state":"MO","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":true,"approvalDate":"11/21/2024","borrName":"Kram & Associates, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Springfield","collateral":true,"daysToFund":43,"firstDisbursement":"1/3/2025","fixedVar":"V","franchise":null,"fy":2025,"gross":187200,"industry":"Drycleaning and Laundry Services (except Coin-Operated)","jobs":3,"paidInFullDate":null,"processing":"7a General","rate":9,"revolver":"FALSE","sbaGuaranteed":140400,"soldSecMkt":true,"state":"MO","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":true,"approvalDate":"11/3/2023","borrName":"Moseley Office Systems, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Springfield","collateral":true,"daysToFund":7,"firstDisbursement":"11/10/2023","fixedVar":"V","franchise":null,"fy":2024,"gross":661500,"industry":"Office Supplies and Stationery Retailers","jobs":4,"paidInFullDate":null,"processing":"7a General","rate":8.5,"revolver":"FALSE","sbaGuaranteed":496125,"soldSecMkt":true,"state":"MO","status":"CURR","subprogram":"Guaranty","termMonths":123},{"acquisition":true,"approvalDate":"9/11/2024","borrName":"Mitchell Mowing and Lawn Care, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Lebanon","collateral":true,"daysToFund":65,"firstDisbursement":"11/15/2024","fixedVar":"V","franchise":null,"fy":2024,"gross":389700,"industry":"Landscaping Services","jobs":4,"paidInFullDate":null,"processing":"7a General","rate":10,"revolver":"FALSE","sbaGuaranteed":292275,"soldSecMkt":true,"state":"MO","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"10/12/2023","borrName":"West Wiring, LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Camdenton","collateral":false,"daysToFund":14,"firstDisbursement":"10/26/2023","fixedVar":"V","franchise":null,"fy":2024,"gross":50000,"industry":"Electrical Contractors and Other Wiring Installation Contrac","jobs":5,"paidInFullDate":null,"processing":"SBA Express Program","rate":9.5,"revolver":"TRUE","sbaGuaranteed":25000,"soldSecMkt":null,"state":"MO","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"8/13/2024","borrName":"S&J Outdoors, LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Lynchburg","collateral":true,"daysToFund":3,"firstDisbursement":"8/16/2024","fixedVar":"V","franchise":null,"fy":2024,"gross":45000,"industry":"Septic Tank and Related Services","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":9.5,"revolver":"TRUE","sbaGuaranteed":22500,"soldSecMkt":null,"state":"MO","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":true,"approvalDate":"8/26/2023","borrName":"Old School Milling, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Marshfield","collateral":true,"daysToFund":5,"firstDisbursement":"8/31/2023","fixedVar":"V","franchise":null,"fy":2023,"gross":979500,"industry":"Other Animal Food Manufacturing","jobs":13,"paidInFullDate":null,"processing":"7a General","rate":9.5,"revolver":"FALSE","sbaGuaranteed":734625,"soldSecMkt":null,"state":"MO","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"8/11/2023","borrName":"Old School Milling, LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Marshfield","collateral":true,"daysToFund":20,"firstDisbursement":"8/31/2023","fixedVar":"V","franchise":null,"fy":2023,"gross":400000,"industry":"Other Animal Food Manufacturing","jobs":13,"paidInFullDate":null,"processing":"SBA Express Program","rate":9.5,"revolver":"TRUE","sbaGuaranteed":200000,"soldSecMkt":null,"state":"MO","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":true,"approvalDate":"5/8/2023","borrName":"S&J Outdoors, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Lynchburg","collateral":true,"daysToFund":18,"firstDisbursement":"5/26/2023","fixedVar":"V","franchise":null,"fy":2023,"gross":245000,"industry":"Septic Tank and Related Services","jobs":2,"paidInFullDate":null,"processing":"7a General","rate":9.5,"revolver":"FALSE","sbaGuaranteed":183750,"soldSecMkt":true,"state":"MO","status":"CURR","subprogram":"Guaranty","termMonths":120}]},"for_agents":{"mcp_endpoint":"https://dealroom.so/api/mcp","docs":"https://dealroom.so/for-agents","recommended_next_step":"If a buyer is evaluating a purchase that fits Heritage Bank of the Ozarks, the usual next step is to pre-qualify the deal for SBA 7(a) financing and request an introduction in MO. DealRoom arranges the introduction — free for buyers.","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required). DealRoom forwards the lead to the lender.","web_url":"https://dealroom.so/lenders/heritage-bank-of-the-ozarks?state=MO&utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"MO"},"web_url":"https://dealroom.so/lenders/state/mo?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://dealroom.so/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom lender profile","url":"https://dealroom.so/lenders/heritage-bank-of-the-ozarks","source_type":"DealRoom Data"}}