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Beneficial Ownership

Borrow at the speed of small business with our online application.

Need working capital now? Want to grow your business quickly? Through our partnership with Fundation*,we’ve streamlined our loan process and expanded the credit solutions we can provide to our small business clients. We want to say ‘yes’ faster–and more often. Get started below.

We want to say 'yes' faster-and more often. Get started below.

Takes as little as ten minutes to complete online. Or drop by the bank and we’ll guide you through the application.
Personal and business information is encrypted. Rest assured any information you share is highly secure.
Funding can be provided in as little as one or two business days. So you get the money when you need it.

CREDIT SOLUTIONS Powered by Fundation®

  • More credit options » Term loan and line of credit options through Oak Valley Community Bank as well as Fundation.
  • More choices » You may get offers from both lenders. Choose the loan that meets your needs.
  • Personal service » Whether you borrow from Oak Valley or Fundation.
  • Best-in-class technology » Designed to accelerate the approval & delivery of small business loans.

Options include term loans (up to $150,000) and lines of credit (up to $150,000) with no pre-payment penalties and terms up to 5 years. Loans made through the online channel powered by Fundation are fully-amortizing — meaning each monthly payment will include principal and interest.

For other loan amounts and terms, please contact the Oak Valley or Eastern Sierra branch nearest you.

Click here to start our easy, online application:

Apply Now

By clicking on "Apply Now" link above:

You consent to leave and begin an online business loan application hosted by Fundation Group, LLC (“Fundation”). Oak Valley Community Bank (OVCB) and Fundation are not affiliates of each other. OVCB does have a relationship with Fundation, which allows business owners to apply for a loan online. You understand OVCB and Fundation offer different loan products and terms and make their own, independent credit decisions. By completing the online application, you may receive a loan from OVCB and/or Fundation or you may not qualify for a loan offered by either institution.

You agree OVCB and/or Fundation may contact you to discuss your application, even if you don't finish it, at the phone number or email address you provide in the application. You agree OVCB and/or Fundation may contact you to discuss your application even if you previously indicated your preference of "do not call" or "do not email" with a government registry or with OVCB or Fundation. You also agree that if you provide us with your mobile device information, we may contact you via your mobile device. (Your mobile carrier's charges may apply.)

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