small business loans & lines

Find the Umpqua loan that fits you best:

  • Fixed or variable rates
  • Short or long terms
  • No origination fees on some loans
  • Rate discounts possible with autopay

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Comparison of Business Lending Products
Product Best use Term Min. monthly payment Collateral
Commercial Real Estate
Term Loan view details
Find a Store
Acquisition refinance or expansion of real estate property Up to 15 years fully amortized or 25 year amortization with a 10-year maturity and balloon payment Principal and interest based on amortization Commercial, residential, or multi-family real estate
Business Term Loan view details Find a Store New or used vehicles, long-term working capital, equipment, existing debt or expansion Up to 7 years Fully amortized Equipment, Vehicles or Business Assets
Expressline view details Find a Store Short-term working capital, seasonal purchases, inventory or payroll  Varies -- click product for details Up to $100,000: Interest only. $100,001 and above: Interest only with balloon payment at maturity Collateral not required
Secured Expressline view details Find a Store Short-term operating expenses or small capital expenditures Varies -- click product for details Up to $100,000: Interest only. $100,001 and above: Interest only with balloon payment at maturity. Improved RE and/or business assets. 
Including accounts recievable, Inventory, eligible net fixed assets and Commercial Real Estate 

Cap Ex Line to Loan view details Find a Store Purchasing new or used equipment in the next year Varies -- click product for details Monthly interest-only payments during the line of credit period, followed by fixed principal and interest payments amortized over the predetermined term loan period Business Assets
business new vehicle loan view details Find a Store Secured loan of $5,000 & greater with a fixed interest rate and term From 24 to 84 months Monthly principal and interest a new auto can be a current model year, immediate past model year or future model year not previously titled
business used vehicle loan view details Find a Store Secured loan of $5,000 & greater with a fixed interest rate and term From 24 to 72 months Monthly principal and interest Used auto maximum age of 10 model years old