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Business Loans and Lines of Credit




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business term loan

Open an account by:
What it is:
Loan from $5,000 to $250,000 with a fixed interest rate.
Best use:
New or used vehicles, long-term working capital, equipment, existing debt, expansion.
Term:
Up to 5 years 1
Collateral:
Secured by business assets, vehicles or equipment.
Amount you can borrow:
$5,000 to $250,000 (subject to credit approval)
Extras:
• 0.50% reduction for auto payment from Umpqua checking account
• SBA government-guaranteed loans available
Minimum monthly payment:
Loan fully amortized over loan term.
One-time origination fee:
1% of loan amount or $150, whichever is greater
Fixed interest rate:
Up to 36 Months: $5,000 to $25,000:     3.25% to 6.50%  
Up to 36 Months $25,001 to $100,000:   3.25% to 6.50% 
Up to 36 Months $100,001 to $250,000:   3.25% to 6.50% 

37-60 Months: $5,000 to $25,000:     3.50% to 6.75% 
37-60 Months: $25,001 to $100,000:   3.50% to 6.75%  
37-60 Months: $100,001 to $250,000:   3.50% to 6.75% 
Floor / ceiling:
n/a
Balloon payment:
n/a
Late payment fee:
Greater of $10 or 5% of any minimum payment not paid within 10 days after due date.
Annual fee:
n/a
Deposit account relationship:
Umpqua Bank account suggested
Interest payment frequency:
N/A
Loan rate adjuster
N/A
Loan rate index
N/A
The fine print:
1 Term of 72 or 84 months available on amounts over $50,000 when rolling stock or manufacturing equipment is used as collateral.  Certain restrictions apply.  Contact your local Umpqua Bank store for additional information. 
 Third party closing costs ranging from $500 to $3,000 may apply.  Property insurance required if the loan is secured by improved real property; flood insurance is also required if the property is in a special flood hazard area. Rates shown are effective as of 04/22/2013
Rate details:
N/A
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