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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:

  • Corporate Credit Application Form
  • Financial Statements (Balance Sheet, Profit and Loss Statement) / Statement of Assets & Liabilities (2 pages)
  • Resolution of the Board of Directors authorizing the company to borrow
  • Business plan to include cash flow projections and profit and loss projections
  • The last 2 years audited financials
  • 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:

  • Just give us a call at 011-501-223-5698
  • Fax us at 011-501-223-0368
  • Email 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.