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
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 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 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 Unsecured
Secured Expressline 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