"Build Equity While You Build Your Business

OWNER-OCCUPIED COMMERCIAL REAL ESTATE FINANCING

Finance your owner-occupied commercial property now and stay ready for what's next. If interest rates fall within 24 months, request a one-time rate reduction of up to 1.25%.*  

Our innovative financing solutions offer competitive rates and flexible terms designed to help your business move forward today. This limited-time opportunity lets you stop waiting, start owning and gain a head start on building equity.

  • Loan amounts of $1,000,000 to $10,000,000
  • Request a one-time interest rate adjustment of up to 1.25% within the first 24 months of loan funding (calculated using the promissory note’s original interest rate index and spread) 
  • 12-month interest-only period
  • Up to 30-year amortization on select owner-occupied industrial, medical office and retail properties
  • Up to 80% loan-to-value on purchase or up to 75% loan-to-value for cash-out financing
  • Existing Heritage Bank loans are eligible for refinance if they are within one year of maturity
  • Competitive fixed interest rate
  • Easy application process and local, timely approvals

*At the time of rate reduction, the interest rate will be recalculated based on the promissory note’s original interest rate index and spread. New construction projects are not eligible. Small Business Administration (SBA) program loans are not eligible. Additional program limitations may apply. All out-of-pocket costs and fees, such as but not limited to, appraisal and title insurance costs, will be paid by the borrowers. Up to 80% financing of purchase price or appraised value, whichever is less. Prepayment penalty may apply. Some additional restrictions may apply. Offer subject to credit and property approval. Heritage Bank standard underwriting applies. The offer may be withdrawn any time at Heritage Bank’s sole option. Offer expires no later than 6/30/2026. This does not represent an offer to enter into a loan agreement. If approved, your terms may vary based upon your specific situation. Rates, fees, and other terms subject to change without notice.

All information submitted in this form will be used for the sole purpose of answering your request(s). To learn more about our privacy standards, please read our  privacy policy.  

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placeholder   Equal Housing Lender | Member FDIC