Select Expressline Terms & Conditions


The Small Business Unsecured Expressline product requires the borrower to be a current Umpqua Bank customer. Current Umpqua Bank customer is defined as one who has a current business deposit account history of at least 90 days with regular business activity. Regular business activity is that which is fitting for the revenue size and complexity of the business and is intended to represent the operating account of the business.


Advertised rate margin includes a 0.50% automatic payment discount from an Umpqua Bank account. Rate shown is effective as of 08/07/2023 and is subject to change without notice. The interest rate is variable and based on The Wall Street Journal Prime Rate (the "Index"), currently 8.50%, plus a margin (spread). In no event will the Annual Percentage Rate be less than 3.75%. Maximum Annual Percentage Rate of 18.00%. The margin is based on the approved loan amount and our evaluation of borrower's credit history.

All loans subject to credit approval.


Loan term up to $100,000: Revolving line of credit. $100,001 and up: one year with balloon payment at maturity.


Other possible fees