SBA loans

With Umpqua SBA loans, you can enjoy:

  • Loans approved quickly
  • Small business knowledge & experience
  • Terms up to 30 years
  • Down payment as low as 10%
  • Competitive fixed and variable rates
  • Loans may be assumable

need help?

Comparison of SBA Lending Products
Product Loan type Best use Term Loan amount Your needs
SBA 504 Find a Store Long-term, fixed-asset financing
  • land & buildings
  • heavy equipment
  • business expansion
10 to 20 years Up to 90% of total project cost Best for those interested in: land & buildings, heavy equipment and business expansion
SBA 7(a) Find a Store SBA’s primary program for term loans Start up, acquire or expand your business 7-25 years $35,000-$5 million
  • Commercial real estate
  • Business acquisition/expansion
  • Construction/remodel
  • Working capital
  • Inventory & equipment
  • Debt refinance
SBA lines of credit Find a Store Quick, streamlined process for lines of credit Support working capital needs 1-5 years $35,000-$750,000
  • Working capital
  • inventory
USDA Find a Store Promotes rural development through commercial financing of rural businesses Finance your rural business 7-30 years Up to $25 million
  • Business acquisition/expansion
  • Construction/remodel
  • Working capital
  • Inventory & equipment
  • Debt refinance
  • Commercial lease projects
  • Land and buildings