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 $500,000
  • 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 business assets
  • Variable interest rate
  • $150 annual fee
  • No prepayment penalty
  • CD and Improved Commercial Real Estate options available. Please see an associate or call us for more details.

rate details

for zip code
Product rates
Amount Variable interest rate
$25,000 - $100,000 Index +1.50% to Index +3.00%
$100,001 - $250,000 Index +1.40% to Index +2.90%
$250,001 - $500,000 Index +1.35% to Index +2.85%
Questions? Call us at 1-866-4UMPQUA.


Interest Rate

Rates shown are effective as of 12/14/2017 and subject to change without notice. The Interest Rates are variable and based on the Wall Street Journal Prime Rate (the "Index"), currently 4.50%, 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.

Closing costs

Third party closing costs may apply.

open account

Call us at 1-866-4UMPQUA


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