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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Small Business Loans

Guaranteed by the U.S. government, SBA and USDA loans offer qualified companies the option to borrow with lower down payments and longer repayment terms than are typically available with other types of loans.

SBA 7(a) Loans

Flexible financing for general business purposes.

SBA 504 Loans

Long-term, fixed-rate loan designed for larger real estate purchases or construction projects

USDA Loans

Terms loans to help stimulate job growth in rural communities