Oak Valley Community Bank
Eastern Sierra Community Bank

Commercial Banking

Loans

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Business Loans

The bank offers a variety of business loans to help you capitalize on business opportunities, expand, build new facilities or add equipment. Whatever the need, we can tailor a business loan with competitive rates to suit your particular situation.

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Business Line of Credit

A business line of credit can give you the extra resources you need to take advantage of opportunities as they arise. Get the flexibility to focus on your business, not your bank account, with business lines of credit.

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Commercial Real Estate Loans

Purchase, construct, or refinance commercial real estate with real estate loans and mortgages.

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Construction Loans

With a construction project, it’s important to have a banking partner who will be with you every step of the way. We’ll help you set your sights on a construction loan that will pave the way toward a successful future for your business. Whether you want to build something new or add on to space you’re already in, we’ve got the experience to help you fulfill your dreams.

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Agriculture Loans & Lines of Credit

Regardless of the size of your farm, dairy, production or processing facility, we have agricultural loans that can be tailored to meet your needs.

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SBA Loans

As a recognized Small Business Administration (SBA) lender, we can approve SBA small business loans for purchases of equipment, machinery, inventory, working capital, expansions, or acquisitions.

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Small Business Loans

Designed with the small business owner in mind, our professional and small business loans are available from $15,000 to $150,000.

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Small Business Line of Credit

A small business line of credit can give you access to the extra resources you need to finance accounts receivable and inventory or to take advantage of general business opportunities as they arise.

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Business Credit Cards

Whether you use your card for everyday purchases or emergency expenses only, we have a Visa credit card program to meet your financial needs.

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Deposits

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Business Checking & Savings

Sign up for commercial banking with free or interest-bearing business checking, account analysis, and business savings.

Business Money Markets

Open a high-yield tiered Business Money Markets account. The more you save, the higher rate of interest you earn.

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Health Savings Accounts

Manage your health care coverage and money with interest-bearing Health Savings Accounts linked with a high-deductible health plan (HDHP). We offer three types of Health Savings Accounts: HSA Checking, HSA Savings, HSA Liquidity.

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Treasury Management

eBanker For Treasury Management

Maintain optimal control over your business accounts with eBanker for Treasury Management online information reporting and transaction generation.

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Positive Pay

Positive Pay improves your control of your commercial checking account and gives you the tools to prevent check fraud – before it happens!

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Remote Deposit Capture

With our innovative Remote Deposit Capture, you can scan checks and transmit scanned images or ACH-data to our bank for posting and clearing without leaving your place of business

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Other Services

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Payroll Services

Handle payroll tax returns and deposits, accurately and on time. Take control of your payroll, without taking lots of your time.

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Employee Advantage Banking

Pass the perks on to your employees, when your company and employees both bank with us.

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Merchant Services

Reduce your risk with our Merchant Services. Accept credit card payment, convert traditional checks to electronic, verify funds before accepting payment.

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Overdraft Options

Overdrafts happen – and we've got options to make it easier to avoid overdraft fees, giving you more flexibility so you can manage your money with confidence.

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Brett & Karen Tate and Brett & Camy Honoré, Owners of Dust Bowl Brewing Co.

Helping Valley Business Grow

DUST BOWL BREWING CO.

"Oak Valley has had our back since the beginning. From our original expansion in Turlock to Monterey and now at our new tap house in Elk Grove, their commercial banking solutions have helped us grow every step of the way."

Brett & Karen Tate and Brett & Camy Honoré, Owners