Specialty financing solutions for growth, buyouts, recapitalization, acquisitions and refinancing transactions.
To grow your business and reach your goals, a banker with an extensive understanding of your industry can provide the best financial solutions to meet your needs. Business operations are more effective and streamlined with a financial team that truly knows how to help you meet your goals strategically and financially.
HTLF Specialized Industries partners with companies to provide senior secured financing expertise focused on helping growth companies and investors across the United States. By applying our understanding of industry opportunities and challenges, we help companies seeking growth, buyouts, recapitalization, refinancing, acquisitions and more. We deliver results quickly and with confidence and certainty of execution.
Specialized Industries:
Loan Syndications
For clients in need of large and complex financing that requires more than one bank to execute, we can help! Our syndicated loan team has strong expertise to help effectively lead, arrange, structure, distribute, and administer a multibank credit facility.
Commercial Real Estate
Our Commercial Real Estate team provides expertise to middle-market and institutional real estate investors and developers. We recognize every deal is different and there is no one-size-fits-all solution. We understand the value of flexibility in the terms and structure, offering customized solutions for each project. Through construction, bridge and permanent property level financing, along with working capital and subscription lines of credit, we can structure, facilitate and syndicate transactions up to $150 million:
- Commercial
- Multifamily
- Residential
- Office
- Industrial
Healthcare
You play an important role in the communities you serve, and we understand what you’re facing day-to-day. As you focus on your patients and growing your business in today’s ever-changing marketplace, we have the resources and expertise to help through every aspect of operations. We work directly with practices, sponsors, and ancillary healthcare providers of all types:
- Hospitals
- Skilled Nursing
- Senior Housing
- Behavioral Health
- Home Health
- Hospice
- Pharmacy
- Rehab/therapy
- ASC
- Practice Finance solutions for: Physicians, Dentists and more
- Ancillary service providers: Revenue Cycle Management (RCM), Healthcare IT, and Medical Equipment Manufacturing and Distribution.
Franchise Finance
Franchise owners and operators face many unique challenges such as increases in competition, oversaturation, changing tastes and preferences, supply chain, wage pressure, labor shortage, expansions & remodels, and rising costs. For franchisees, an experienced banking team can make all the difference in your success. We provide Franchise Finance expertise for national and large, regional Quick Service Restaurant (QSR) and Full-Service Restaurant (FSR) franchisees. For experienced franchisees with 10 or more operating units, we can help with financing for:
- Acquisitions
- Expansion
- Remodels
- Recapitalization
Professional Services
In a highly competitive industry where your success is greatly dependent on your clients’ success, an experienced bank that offers innovative financial services and resources to acquire and retain those clients is crucial. We help clients in the professional services space finance equipment, estimate relocation and project costs, monitor cash flow, transfer assets, and manage day-to-day operational banking needs.
- Accounting
- Architecture
- Engineering
- Law Firms
- Clinical Practices
- Technology and Data
- Logistics
- Advertising
Specialty Manufacturing and Distribution
To successfully manage supply and demand, we help your business balance the fluctuations that come with distinct capabilities to manufacture or distribute products with unique attributes. From navigating the complexities of varying demand cycles, to scalable inventory management and evolving equipment and technology needs, we have the financial solutions to help you successfully move your business forward.
Meet Our Team of Specialized Financial Experts
Amanda joined Arizona Bank & Trust in 2016. In that time, she has proven to perspiciatis unde omnis iste natus Read more...
Amanda joined Arizona Bank & Trust in 2016. In that time, she has proven to perspiciatis unde omnis iste natus Read more...
Amanda joined Arizona Bank & Trust in 2016. In that time, she has proven to perspiciatis unde omnis iste natus Read more...
Hakan joined HTLF in August 2021, bringing 32 years of commercial banking experience in F&A, Middle Market Read more...
Patrick joined HTLF in August 2021 with a wealth of industry knowledge having worked in financial services his Read more...
Charlie joins HTLF as a highly skilled solutions-oriented Managing Director of Food & Agribusiness. He works Read more...
Garrett joins HTLF with 12+ years of experience in banking, previously managing and growing a $200MM+ debt Read more...
Travis joins HTLF as a seasoned banking professional with over 15 years of commercial banking, lending, Read more...
Doug brings over three decades of banking experience to his new role as SVP, Senior Relationship Manager at Read more...
Denny comes from a Northern California family farm and joins the HTLF team with over 20 years of commercial and Read more...
Wesley joined HTLF in August 2021. Prior to joining the team, Wesley worked for a large commercial bank Read more...
Tyler joined the HTLF team as a VP, Relationship Manager in August 2021. He previously worked as a financial Read more...
Arianne joined HTLF Food & Agribusiness in August 2021 as a Senior Treasury Management Officer. With over 20 Read more...
Steve Knudsen joined the HTLF Food & AgriBusiness team in 2022, but he is no stranger to the industry! His Read more...
Brian joined HTLF in September 2019. His experience spans across commercial real estate, capital markets, wealth Read more...
Gary joined HTLF in October 2020. He is a noted speaker on the debt markets and has over thirty years of banking Read more...
Chris joined HTLF in 2021 as the Director of Commercial Real Estate, bringing a diverse background across the Read more...
Bryan joined HTLF in October 2020 as a seasoned finance and middle market healthcare lender with knowledge Read more...
Julie is the Director of Syndications at Heartland Financial USA, Inc. (HTLF). She is responsible for building Read more...
Ed is Director Specialized Industries, SVP of Heartland Financial USA, Inc. (HTLF). He is responsible for the Read more...
Patrick joined HTLF as the Director of Commercial Real Estate in 2021. In this role, he supports commercial real Read more...
Mark Smith joins HTLF Specialized Industries as a Director with over 30 years experience in asset based and Read more...
Luke joins HTLF as the Director of Franchise Finance with 18 years of banking experience, most recently as a Read more...
Mike joined the HTLF team in 2016. After serving various roles in Credit and Portfolio Management, he joined Read more...
Bruce K. Lee
President and CEO
Bruce joined HTLF in 2015, and brings more than 30 years of experience in the banking industry. Prior to joining Read more...
Bryan R. McKeag
Executive Vice President,
Chief Financial Officer
Prior to joining HTLF in September of 2013, Bryan served as Executive Vice President, Corporate Controller and Read more...
Deborah K. Deters
Executive Vice President,
Chief Human Resources Officer
Deb Deters joined HTLF as Senior Vice President, Chief Human Resources Officer in December 2017. She oversees Read more...
Mark A. Frank
Executive Vice President,
Operations
Mark Frank joined HTLF as Regional Operations Officer in November 2019. He has a wealth of industry-specific Read more...
Nathan R. Jones
Executive Vice President,
Chief Credit Officer
Nathan Jones joined HTLF as Executive Vice President, Chief Credit Officer in July of 2020. He is responsible for Read more...
Kevin C. Karrels
Executive Vice President,
Head of Consumer Banking
Kevin Karrels joined HTLF as Executive Vice President, Head of Consumer Banking, in March 2019. He is responsible Read more...
Jay L. Kim
Executive Vice President,
General Counsel
Jay has worked with banking and financial services clients for over 30 years, spending half of his career as Read more...
Dennis J. Mochal
Executive Vice President,
Chief Information Officer
Dennis joined HTLF in May 2019. He is responsible for managing all facets of HTLF's information technology needs, Read more...
Tamina L. O'Neill
Executive Vice President,
Chief Risk Officer
Tamina comes to HTLF with extensive senior management and leadership experience having worked in small, mid-size Read more...
Michael Wamsganz
President and CEO,
Citywide Banks
Michael Wamsganz joined Citywide Banks, a division of HTLF Bank, as the Director of Commercial Banking in April Read more...
David A. Prince
Executive Vice President,
Head of Commercial Banking
David Prince joined HTLF as Executive Vice President, Head of Commercial Banking in November 2018. He is Read more...
Janet M. Quick
Executive Vice President,
Deputy Chief Financial Officer
Janet joined HTLF. in 1994 as Internal Auditor, bringing with her four years of banking experience accompanied by Read more...
Kevin G. Quinn
Executive Vice President,
Chief Banking Officer
Kevin, Chief Banking Officer and EVP has leadership responsibility for markets within HTLF. Kevin joined Citywide Read more...
Shelley Reed
Executive Vice President,
Corporate Strategy & Development
With over 20 years in the financial services industry, including 15 years of investment banking experience, Read more...
John K. Schmidt
Chairman of the Board
Mr. Schmidt has been the Senior Vice President and Chief Financial Officer of A.Y. McDonald Industries since 2013 Read more...
Duane E. White
Director
Duane is a partner at Aveus, a management consulting firm in St. Paul, Minnesota. Prior to joining Aveus, Duane Read more...
Bruce K. Lee
President and CEO
Bruce joined HTLF in 2015, and brings more than 30 years of experience in the banking industry. Prior to joining Read more...
Kathryn Graves Unger
Director
Ms. Unger currently serves at Cargill as Vice President, North America –Government Relations. Before that, Ms. Read more...
Robert B. Engel
Director
Robert B. Engel, Chief Executive Officer and Managing Director of BLT Advisory Services, LLC, a boutique advisory Read more...
Thomas L. Flynn
Vice Chairman
Tom is retired (Flynn Ready-Mix Concrete, President). Tom was elected to the Iowa State Senate in 1994, where he Read more...
Martin J. Schmitz
Director
Marty was elected to the HTLF Board of Directors in May 2018. He served as Chairman of Citywide Banks, which was Read more...
Lynn B. Fuller
Director
Lynn is a Director on the HTLF board as well as Director and Vice Chairman of the Board of Dubuque Bank and Trust Read more...
Jennifer K. Hopkins
Director
Jenny is a managing partner at Crescendo Capital and is currently the CEO of one of Crescendo’s portfolio Read more...
Susan Murphy
Director
Ms. Murphy has been a Principal at The Grace Alliance, LLC in Denver, which assists individuals and families in Read more...
Christopher S. Hylen
Director
Chris is chief executive officer and a board member of Reltio, Inc., a software as a service company headquartered Read more...