We specialize in providing small and mid-sized businesses money to grow and prosper with competitive rates and terms to match the business’ cash flow. When you need a loan, trust Southern Heritage Bank to be there for you. Without waiting. Without red tape.

Our Service Commitment

Local decision making – Right here in Cleveland, Tenn.
Prompt response to your loan request
Dedicated attention of a Business Banking Professional
Financing solutions customized for the unique needs of your business

Southern Heritage Provides

  • Commercial Real Estate Loans
  • Equipment Financing / Leasing Services – Perfect for commercial fleets, procurement of heavy equipment or emergency vehicles
  • Facility Construction/Expansion Loans – Flexible terms from planning to occupancy
  • Lines of Credit
  • Working Capital Loans

Small Business Administration Loans 

The Small Business Administration (SBA) is the largest source of long-term small business financing in the nation. Southern Heritage Bank is experienced at helping small and start-up businesses in the Ocoee Region obtain SBA-backed loans when traditional funding is otherwise unavailable. To review the SBA qualifications and eligibility requirements, visit your nearest Southern Heritage Bank office.


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Meet The Business Banking Team

Tim Poteet
MLO ID # 506199
Senior Vice President, Commercial Team Leader
Office: 423-303-1723

Georgia Gann
MLO ID # 506196
Senior Vice President
Office: 423-303-1724

Richard Burnette
MLO ID # 506194
Vice President
Office: 423-303-2885

Gayle Ellis
MLO ID # 506195
Vice President
Office: 423-303-1726

Andy Sneed
MLO ID # 506200
Commercial Lender
Office: 423-303-1752