MCHENRY COUNTY'S #1 BUSINESS LENDER*

Business loans are our specialty

RATES AS LOW AS 6.99% APR


Let's connect and discuss what you need to help your business grow!  Get fast, flexible and affordable financing from Home State Bank, a stable and reliable force with proven expertise to guide you through a fluctuating business climate.

Count on us for commercial and industrial lending services that exceed your expectations.

Ready to speak to a loan advisor?

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Or, call 815-788-3455 and talk to Brad Heldt.
Commercial / Investment RE


Real Estate:  Owner occupied and non-owner occupied financing options with personalized repayment terms are available to fit your business needs.
Working Capital/LOC


Accessible loans, lines and letters of credit to keep you functional and efficient.
Cash Management


Secure 24/7 access to all your accounts and powerful business banking tools like Lockbox and Positive Pay.
Equipment Financing


Explore equipment financing and lease options so you can conserve capital as you upgrade and expand your business.
Talk to Brad and see how we can help you find the loan you need.  You can expect to:

  • speak with a loan expert backed by 100 years of business banking expertise
  • discuss your business strategy and goals
  • talk through all the loan and financing opportunities available to you
Brad Heldt visiting manufacturing client
Brad Heldt
Senior Vice President
Chief Revenue Officer
(815) 788-3455
We love working with Brad. We so much appreciate his knowledge, advice and expertise in banking. He has helped bring solutions during difficult times and has been a tremendous partner to our company.

– Lisa Stuve, CFO Illinois Blower, Inc.
*McHenry County's #1 business lender according to the FFIEC (Federal Financial Institutions Examination Council) for dollars loaned out in McHenry County IL. Conditions and restrictions may apply.


Home State Bank is strong in the community, but I believe the WOW factor that sets them apart is how they are able to provide (across multi-state lines) a better hands-on feel and how they commit to staying integrated into my company.

– Deron Lichte, Owner
Lighthouse Holdings, LLC