Dream First Bank, National Association

Dream First Bank, National Association is a Kansas-headquartered commercial bank that emerged from the reopening of Heartland Tri-State Bank branches in July 2023. It operates as an SBA lender with a national reach, serving both business and agricultural customers. For small businesses, the bank offers a practical range of financing options including term loans, lines of credit, equipment finance, commercial real estate financing, and construction finance, alongside SBA loan programs. Its agricultural banking specialty may make it a particularly natural fit for rural and farm-related businesses. Specific details on rates, minimum qualifications, and loan amounts are not publicly listed, so prospective borrowers will need to contact the bank directly to understand eligibility and pricing. Dream First Bank appears well suited for established small businesses and agricultural operators seeking a relationship-oriented community bank with SBA lending capabilities.