For Seasonal Needs, Business Expansion and More

Business Lines of Credit

    Get funding for short-term needs or have money in reserve for a future purchase opportunity. Our Heritage Reward line of credit offers a
    $25,000 – $350,000 line of credit (subject to approval) to give you buying power.
    Access funds as your debt is paid down.
    Secure working capital for your seasonal business. We offer lines of credit greater than $250,000.

Tailored to Your Business

Lending Solutions

Finance new equipment with our specialized equipment loans.

Benefit from our customized lending products exclusively created for doctors, veterinarians, dentists, lawyers and CPAs.
Get a payment guarantee for your business transactions with a Heritage Bank commercial letter of credit or standby letter of credit. Our experienced staff can expedite the documentation process and negotiations to keep your business moving forward.
Finance the acquisition of commercial real estate to house your business.
For more information, please contact the Corporate Finance Department at 408-947-6900.

Supporting Entrepreneurs

Small Business Microloan Program

Our Small Business Microloans can provide the working capital entrepreneurs need to fuel their success and continued growth. Whether it’s for expansion, buying new equipment or inventory purchases, we offer financing solutions to take your business to the next level.

  • Loans $100,000 or less
  • Streamlined application process
  • Fast decisions
  • Competitive pricing
  • Local, tailored support
Please contact your local branch or call us at 408-947-6900.

Our Experts Make the Loan Process Easy

SBA Loans

Trust our extensive SBA experience and tenured lending group to make the loan process easy. We offer you personalized, proven expertise and flexible loans. Partnering with the SBA, we offer lending solutions that typically have longer terms and a lower down payment than what is available with a traditional commercial loan.

Visit the SBA and USDA websites to learn more about the government’s programs.

Logo of U.S. Small Business Adminstration
For more information on HBC’s SBA lending solutions, please contact the SBA Lending Department at 866-581-6479.

Work with Our Experts

More Lending Solutions

Asset-Based Loans

Our solution-driven team of bankers has a long history of funding microcap, venture-backed, and private equity supported companies nationwide. They leverage their many years of experience and lending know-how when partnering with companies who want to grow their businesses to help position them to meet their financial goals.

  • Working Capital and Inventory
  • Purchase Equipment
  • Refinance Existing Business Debt

Lending Products Include:

Revolving Line of Credit
Designed to leverage your accounts receivable and inventory, we’ll get you access to the funds you need for current cash flow needs and future growth.

Term Loan Financing
Designed to help with equipment purchases or refinancing existing debt.

Please contact your local branch or call the Corporate Finance Department at 408-792-4091.

For Commercial Businesses

CRE & Construction Loans

Finance the acquisition of commercial real estate to house your business.

Acquisition and Land Loans
Purchase land for future commercial or residential development.

Finance the acquisition and construction of your single-family project.

Long-term commercial mortgages are available to refinance your existing mortgage or to acquire new properties.

Finance the acquisition and construction of your commercial project. Loans for both owner-occupied projects and for-lease properties are available.

For more information, please contact the Real Estate Industries Department at

Industry Experts at Your Service


Headquartered in San Jose, CA, our subsidiary, Bay View Funding, is an expert in the factoring industry, with over three decades of experience working with Factoring facilities up to $20 million. These dedicated industry experts offer extensive knowledge in a wide range of industry solutions and passionate customer service and support when handling your accounts.

Bay View Funding Logo

For more information, visit Bay View Funding’s website.