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 Key extras
Commercial Real Estate
Term Loan
Find a Store
Expansion, relocation or initial purchase of real estate property Up to 15 years or amortized over 25 years with 10-year maturity and balloon payment Principal and interest based on amortization First lien on commercial real estate or first or second lien on residential real estate
  • 0.50% rate discount with autopay from Umpqua checking account
  • SBA government-guaranteed lines available
Business Term Loan Find a Store New or used vehicles, long-term working capital, equipment, existing debt or expansion Up to 5 years Fully amortized over loan term Business assets, vehicles or equipment
  • 0.50% rate discount with autopay from Umpqua checking account   
  • SBA government-guaranteed lines available
Expressline Find a Store Short-term working capital, seasonal purchases, inventory or payroll Varies -- click product for details Up to $100,000: Interest only w/ $100 minimum. $100,001 and above: Interest only with balloon payment at maturity. Unsecured
  • 0.50% rate discount with autopay from Umpqua checking account (not available for lines of credit with no closing document option)
  • No annual fee for the first year
  • Enroll in the Overdraft Transfer Service and link your business line-of-credit to cover potential overdrafts in your business checking or money market account
Secured Expressline Find a Store Short-term operating expenses or small capital expenditures Varies -- click product for details Up to $100,000: Interest only w/ $100 minimum. $100,001 and above: Interest only with balloon payment at maturity. Unencumbered real estate and other business assets
  • 0.50% rate discount with autopay from Umpqua checking account
  • No annual fee for the first year
  • SBA government-guaranteed lines available