Heartland Business Credit, A Subsidiary of Midland States Bank

Heartland Business Credit, founded in 1999 and acquired by Midland States Bank in 2014, is a commercial finance company specializing in providing working capital to small and medium-sized businesses across the United States. Its primary services include accounts receivable financing (factoring) and asset-based lending, designed to help companies manage cash flow, fund growth, and navigate challenging financial situations. As a subsidiary of Midland States Bank, it combines the flexibility and specialized focus of a dedicated finance company with the stability and resources of a larger banking institution.