Simply Amazing commercial lines of credit

Competitive commercial lines of credit for the good of your business

Sometimes your business just needs a little extra. Extra flexibility, to expand your market. Extra buying power, to increase your inventory. Extra security, to cover an unplanned expense. Our Simply Amazing Commercial Lines of Credit can help you manage your short-term working capital needs in the way that makes the most sense for your business.1

Account Features:

  • Ready cash for a variety of  commercial uses, from managing seasonal cash flow to increasing inventory, and everything in between.
  • Interest-only payments with maturities tied to your operating cycle.
  • Both secured and unsecured Lines of Credit available.
  • Make automatic payments from any Heritage Oaks Bank account.
  • Credit decisions can usually be made in 24 hours.
  • Loan funds are deposited to business accounts as needed.


  • You pay interest on the portion of the line you access.
  • For quick access, you can use Online Business Banking to transfer funds between accounts.
Get the financial freedom to bring your business ideas to life. Expect Simply Amazing Commercial Lines of Credit. Expect more with Heritage Oaks Bank.
  • 1 Rates vary by credit profile. Please contact us for more information regarding rates, fees, terms and conditions.