Whether you're starting your first business, moving into new markets, expanding your workforce, or addressing a temporary setback in your business growth, Heritage Oaks Bank has a loan or line of credit custom-made to meet your business needs today.¹

Simply Amazing Commercial Real Estate Loans	Simply Amazing Commercial Lines of Credit	Simply Amazing Commercial & Equipment Loans	Simply Amazing SBA Services2
Competitive financing options to satisfy your project goals.	Competitive commercial lines of credit for the good of your business.	Competitive commercial loans for capital to expand your fleet or your market.	Government-guaranteed lending in your own backyard.
Funds for acquisition & refinancing Loans up to 90% of real estate value Fixed or variable rates available Flexible repayment plans available 30-year maximum amortization for commercial property Make automatic payments from any Heritage Oaks Bank account	Ready cash for a variety of commercial and professional uses 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 deposited to business accounts as needed Many uses including seasonal cash flow or to increase inventory	Fixed or variable rates available Low documentation fees Borrow up to 100% for commercial vehicles and equipment Easy monthly repayment plans Make automatic payments from any Heritage Oaks Bank account Flexible fee structure and flexible repayment plans available Get loans tailored to your specific business needs, saving you time and money Secured or unsecured loans available	Certified SBA- preferred lender Flexible payment options Lines of credit or term loans Fixed or variable rates available No bank setup fee for auto payments Get easy access to working capital One-day loan approval available