Umpqua Bank business banking -- business loans and lines of credit overview

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