Heritage Oaks Bank is proud to be classified by the Small Business Administration (SBA) as a Preferred Lender, which means our SBA Department has the expertise to meet your business needs and close your loan quickly.

“At Heritage Oaks Bank, we invest in the relationship not the transaction,” says Karen Nuño, SBA Lending Manager, Vice President for Heritage Oaks Bank. “We value client-bank long-term relationships which allow traditional values, innovative thinking and the valuable opportunities that are generated through the course of relationship building,” adds Nuño.

Heritage Oaks Bank is dedicated to developing relationships with small businesses throughout their footprint because they understand the important role that small businesses play in building and strengthening communities. Through small business development more employment opportunities are created in our communities.

Our SBA Department provides a wide range of products and services to help meet the unique needs of small businesses in the community. Through a partnership with the Small Business Administration, Heritage Oaks Bank offers SBA loans, which often provide lower down payments, longer repayment terms, and competitive rates.

The Bank has a SBA Department designed to provide vital information for small businesses. The SBA Department offers various business resources, including checklists, worksheets, business templates, and much more. To access the SBA Resource Center or to learn more about the products and services that Heritage Oaks Bank offers for small businesses, please visit www.heritageoaksbank.com.

“Expect More” Dedication

Celebrating 28 years of dedicated service, Heritage Oaks Bancorp (NASDAQ: HEOP), is the holding company for Heritage Oaks Bank which operates as Heritage Oaks Bank and Business First, a division of Heritage Oaks Bank. Heritage Oaks Bank has its headquarters plus one additional branch in Paso Robles, two branch offices in San Luis Obispo, single branch offices in Cambria, Arroyo Grande, Atascadero, San Miguel, Templeton and Morro Bay and three branch offices in Santa Maria. Heritage Oaks Bank conducts commercial banking business in San Luis Obispo County and Northern Santa Barbara County. The Business First division has two branch offices in Santa Barbara. Expect More and learn more by visiting www.heritageoaksbank.com

“Expect More” Value

Our “‘Expect More” commitment is to serve the best interest of our customers and employees with a genuine personal connection. This daily commitment has established Heritage Oaks Bank and Business First Bank, a division of Heritage Oaks Bank, as the largest publicly owned and operated community banking organization on the Central Coast.

Member Federal Deposit Insurance Corporation and Equal Housing Lender.