Secured Expressline

A line of credit for businesses looking for interim financing for your accounts receivable, inventory, taking trade discounts, seasonal shortfalls and other short-term needs. Let's talk about what you're looking to do.

account details

  • Line of credit from $25,000 to $250,000
  • No set maturity on line of credit up to $100,000
  • 3-year term on loans of $100,001 and up
  • No origination fee
  • Minimum monthly payment: Interest only on lines up to $100,000. Interest only with balloon payment at maturity on lines $100,001 and above.
  • Secured with Improved RE and/or business assets
  • Variable interest rate
  • $150 annual fee
  • No prepayment penalty
  • CD secured option available. Please see an associate for more details.

rate details

for zip code
Product rates
Amount Variable interest rate
$25,000 - $100,000 Index +1.30% to Index + 2.80%
$100,001 - $250,000 Index + 1.70% to Index +3.20%
Questions? Call us at 1-866-4UMPQUA.


Interest Rate

Rates shown are effective as of 6/15/2017 and subject to change without notice. The Interest Rates are variable and based on the Wall Street Journal Prime Rate (the "Index"), currently 4.25%, plus a margin (spread). The margin is based on the approved loan amount and our evaluation of borrower's credit history. Advertised margin includes a 0.50% automatic payment discount from an Umpqua Bank account.

Credit approval

All accounts subject to credit approval.


No bare land or lots.

Closing costs

Third party closing costs may apply.

Insurance requirement

Property insurance required for accounts secured by improved real estate; flood insurance is also required if the property is located in a special flood hazard area.

open account

Call us at 1-866-4UMPQUA


near zip code