Simply Amazing commercial Real Estate loans

Competitive financing options to satisfy your project goals

Whether you're looking to refinance, purchase, or invest in commercial real estate, we have a loan that's right for you. Your Commercial Relationship Manager can fit your business with the right loan, and help you make the most of your company's capital.1

Account Features:

  • Funds to purchase or refinance commercial property.
  • Loan amounts up to 90% of real estate value.
  • Fixed or variable rates available.
  • Flexible repayment plans available.
  • 30-year maximum amortization for commercial property.


  • Lines of credit available.
  • Set up automatic payments from any Heritage Oaks Bank account.
  • Work with a bank that understands your cash flow cycle and borrowing needs.
  • Count on your Commercial Relationship Manager to know the local business climate.
  • Get local underwriting and approval from bankers with years of experience in markets
    unique to the Central Coast.
Your business is our business; put us to work for you. Expect Simply Amazing Commercial Real Estate Loans. Expect more with Heritage Oaks Bank.
  • 1 Rates vary by credit profile. Please contact us for more information regarding rates, fees, terms and conditions.