Business Banking

Heritage Bank Limited can play a central role in helping local businesses grow. Heritage Bank is thus dedicated to preparing customized packages that meet the needs of individual businesses.
Business Banking Services:
Demand Deposit Accounts
Whether you’re a partnership, a sole proprietorship, a community organization or a corporation, you can qualify for a Heritage Bank commercial checking account.

Demand Deposit Accounts


  • USD$3,000.00 or equivalent to open
  • Free and unlimited deposits and withdrawals
  • Hardcopy or online monthly statements
  • Easy 24 hour online access to account information
  • Multi-currency accounts available in Euro, Canadian and Pound Sterling

Fill out the application by clicking the “apply now” button below, and our corporate department will give you a call to arrange a meeting.

Fixed Term Deposits/CDs

Fixed Term Deposits

Funds can be deposited at Heritage Bank for 3, 6, or 12-month periods and will generate high rates of interest for you during this limited time.


  • available in US Currency Only
  • open with minimum of  USD$25,000
  • rate and interest negotiable depending on term and amount
  • terms range from 3, 6, or 12 months
  • low risk, high returns
  • can be tailored to suit your needs

Apply Now for a Deposit Taking Account

Commercial Loans


Commercial Loans

At Heritage International Bank & Trust, we offer construction, education and medical financing service as well as consumer credit.  Our credit terms are flexible and tailored to meet your needs.  Our International Banking Service team is ready and willing to help make your dream a reality.  Contact us by email or telephone for more information.

 Borrowing from Heritage Bank provides many advantages:

  • US Dollar Accounts
  • Unique Structures
  • Not subject to Currency Control Regulations
  • No tax deduction
  • No currency conversion fees
  • Efficient processing – to ensure quick turn-around
  • Handled by dedicated and committed Staff
  • Easy repayment processing from checking/savings accounts held with us

 What you need to qualify:

  • Be a Non-resident individual or company
  • Have a source of income to meet loan payments
  • Equity contribution of 40%

Loan Processing Requirements:

 (a) Corporate Application:

  1. Corporate Credit Application Form
  2. Financial Statements (Balance Sheet, Profit and Loss Statement) / Statement of Assets & Liabilities (2 pages)
  3. Resolution of the Board of Directors authorizing the company to borrow
  4. Business plan to include cash flow projections and profit and loss projections
  5. The last 2 years audited financials
  6. Company Documents:
  • Certificate of Incorporation
  • Articles and Memorandum of Association or By-Laws
  • Certificate of Good Standing (if company exists for more than (1) year)
  • Subscribers appointment of the company’s director/s
  • Letter of Undertaking (applicable in each case of bearer shares – stating of the ownership of the shares changes, the Bank will be informed in keeping with its obligation to know its clients)
  • Certificate of Shareholders/Subscribers
  • Requirements of all beneficial owner(s), director/s, and signatories to the account:
    • References from a bank (preferred), a practicing attorney or a certified accountant are acceptable.
    • References should be recent, prepared on the entity’s official stationery and should indicate the following: a period of relationship for at least (2) years; type of relationship conducted; status of relationship.
    • Notarized Photo Identification
    • Confirmation of Address
    • Copy of Utility Bill

Note: If the company is not registered in Belize, all corporate documents should be certified and translated to English where necessary.

(b) State Purpose, If for:

  • Construction – Provide Cost Estimate & Construction Plans
  • Business Investment – provide projected cash flow for at least three years
  • Real Estate – Provide Appraisal of property being acquired or used to support loan (Please contact us for names of the Bank’s approved Valuators/Appraisers)

(c) Security / Collateral:

  • Land
    • Land Title
    • Property Tax Records
    • Land must be located in Belize
  • Cash
    • Declaration of Source of Funds
  • Standby Letter of Credit
    • Confirmed by a USA Bank

Contact us today for more information or just give us a call at 011-501-223-5698 or e-mail us at

Loan Calculator

Calculate your monthly payment.
Fill in the numbers to calculate your possible monthly payment. This tool is meant to be used to give you a general idea of your monthly payments – it is NOT a guaranteed rate or an official quote from Heritage Bank Limited.

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Credit Card

Businesses which stay on the cutting edge use credit cards to ensure speedy, efficient and well-documented transactions as well as to secure an array of value-added services and benefits.

Heritage Bank offers your company the following card:

Mastercard Standard


  • Competitive annual interest rate
  • 24 hour customer service
  • 24 hour fraud monitoring service
  • Free and easy 24 hour online access to account information
  • Easily accessible from any ATM and merchant outlet
  • Online monthly statements
  • Minimum of USD$1,000.00.
  • Secured with 150% cash collateral
  • Available in US Currency

Apply Now for an International Credit Card