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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



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

Brian Jones

Senior Managing Director


Brian joined HTLF in September 2019. His experience spans across commercial real estate, capital markets, wealth   Read more...

Gary Fowler

Managing Director,
Corporate Banking


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 Leff

Managing Director,
Commercial Real Estate


Chris joined HTLF in 2021 as the Director of Commercial Real Estate, bringing a diverse background across the   Read more...

Bryan Nance



Bryan joined HTLF in October 2020 as a seasoned finance and middle market healthcare lender with knowledge   Read more...

Julie (Carlisle) Streu

Capital Markets/Syndications

Julie is the Director of Syndications at Heartland Financial USA, Inc. (HTLF). She is responsible for building   Read more...

Patrick Harrington

Commercial Real Estate


Patrick joined HTLF as the Director of Commercial Real Estate in 2021. In this role, he supports commercial real   Read more...

Luke Rhyner

Franchise Finance


Luke joins HTLF as the Director of Franchise Finance with 18 years of banking experience, most recently as a   Read more...

Mike Lee

Associate Director,
Capital Markets


Mike joined the HTLF team in 2016. After serving various roles in Credit and Portfolio Management, he joined   Read more...

Maria Krejci

Capital Markets/Derivative Products


Shawn Walters

International Trade Services


Corinne Frennberg

Associate Director,
Commercial Real Estate


Dan Beyer

Commercial Real Estate