Southern Heritage Bank is a Cleveland, Tennessee Residential Home Bridge Loan, Commercial Construction Loans and a Merchant Cash Advance company. They offer Fixed-Rate Mortgages, Adjustable-Rate Mortgages, Construction Loans, Refinances, FHA Loans, VA Loans and Tennessee Housing Development Association Loans. They also offer Home Equity Loans, Home Equity Lines of Credit, Installment Loans, Overdraft Protection and Lines of Credit.

Their personal loans can be used for automobiles, RVs, boats, debt consolidation, indoor home improvements, outdoor home improvements, unexpected emergencies, trips, vacations, appliances, furniture, electronics, home offices, wedding, investments, medical expenses, dental expenses, second homes, luxury item, pools and spas.