Hillcrest Bank offers flexible solutions to help your business succeed when you need it most. Whatever your business needs are, we have a loan solution with great rates and terms. And, we provide quick turnaround on your application so you can get back to what matters most, your business.

When you go talk to your banker, make sure to have everything that you need! 


Business Term Loan

With loan amounts from $15,000 to $3,000,000 over 1-5 years, our Business Term Loans are ideal for when you have long-term financial needs for purchases such as:

  • Equipment, machinery, computers or furniture
  • Company vehicles
  • Business expansions
  • Leasehold improvements
  • Permanent working capital


Business Lines of Credit

Our solution offers lines from $25,000 to $1,000,000 with up to a 2 year draw period. Ideal for achieving goals such as:

  • Working capital to support increased sales
  • Short term financing to support accounts receivable
  • Taking advantage of vendor discounts by buying materials in bulk
  • Seasonal cash flow needs


Business Real Estate Loan

We offer up to a 15-year term with a maximum 20-year amortization for loans between $25,000 and $3,000,000. Our real estate loan solution is perfect for:

  • Owner-occupied real estate acquisition
  • Owner-occupied real estate refinancing
  • Owner-occupied real estate expansion or renovation


Business Credit Cards

We offer a range of credit card options for your business from basic to bonus rewards options. 

Learn More


Small Business Administration (SBA) Loans

One of the options we offer our small business clients are SBA loans, and as a SBA Preferred Lender, we can provide quick turnaround and access to a team of experts in SBA lending. For more about the best solutions for your business, please contact our SBA team.

Meet the Team




Contact a Business Banker

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Desmond J. Fourie
Vice President, Business Banking Officer
Desmond J. Fourie Profile Image

Desmond Is a transplant from Cape Town, South Africa where he held the position of Sales Manager for a Manufacturing Company. Since his arrival in the US he has served in Commercial and Business Banking departments with Community Banks and large Brand financial institutes in the Utah Market. Currently Desmond Serves as VP/ Business Banking Officer in the Utah Valley for Hillcrest Bank, part of NBH Bank. Desmond has a BA degree in Marketing from Damelin College Durban, South Africa.

Melissa Mitchell
Business Banking Development Officer
Melissa Mitchell Profile Image

A native to Utah, Melissa Mitchell is currently working as a Business Banking Development Officer at Hillcrest Bank.  She has enjoyed an accomplished and diverse twelve-year career in the financial industry, holding position titles of Branch Manager, Commercial Relationship Manager, Healthcare Specialist, and Business Banking Development Officer.  Ms. Mitchell’s professional affiliations exemplify her passion for helping business owners.  She has also participated in Salt Lake County Business Forum question and answer panel for business lending.  She has built up relationships that has allowed her to participate in World Trade Center Utah Chapter sponsored events, Utah Economic Development Business Symposiums, and future commitments with Salt Lake Chamber of Commerce.

Robert Leonard
Senior Small Business Administration Business Development Officer
Robert Leonard Profile Image

Rob Leonard serves as the SBA Business Development Officer for Hillcrest Bank, a division of NBH Bank, in the Utah market. Rob works with the Utah market to identify loan opportunities that utilize or benefit from the SBA loan programs. Hillcrest Bank are a preferred lender with the SBA and able to approve loans internally without formal submission to the SBA .

Rob has been involved with Business Banking for the past 15 years. Rob began his experience with the SBA as a business development officer with a local Certified Development Company (CDC), that administered the SBA 504 Loan Program. Rob also worked for Zions Bank as an SBA Resource Officer in which he was able to assist Business Banking and Commercial Lenders with SBA eligibility and structure.

Rob enjoys the working with the SBA as it allows him to meet with clients and find opportunities to help their business grow. It is still an extreme pleasure to drive by various former clients and know that the loans they were able to receive helped that company grow to where they are today.