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Thanks for your interest in opening an account with us! Please pick from the following options below:
Thanks for your interest in opening an account with us! Please pick from the following options below:
Thanks for your interest in opening an account with us. Simply stop by your nearest neighborhood store and we'll get you set up. If you have questions, give us a call toll-free at 1-866-4UMPQUA (1-866-486-7782).
Get $50 for signing up!
Apply for your Visa® Signature Rewards card before April 30 and receive 5,000 bonus points the first time you use your card. Redeem the bonus points for a $50 statement credit—or another reward that strikes your fancy.
Simply apply in-store at your nearest neighborhood store or by calling 1-866-4UMPQUA (1-866-486 7782). (Sorry, this offer is not available when you apply online.)
Offer Terms and Conditions
Cardmember will receive a bonus of 2,500 points upon first purchase, which is in addition to the standard 2,500 points awarded upon first purchase, for a total of 5,000 initial points. To qualify for the bonus, the first purchase must be made within 90 days of account opening, account must be opened between 3/1/09 and 4/30/09, and account must be open and in good standing (not overlimit or past due) at the time the bonus is to be awarded. Cardmembers can redeem points online (through the Rewards Center) or by calling Cardmember Service at 1-888-229-8864. The creditor, issuer and service provider is Elan Financial Services. Offer subject to credit approval; see card Terms & Conditions.
Get $50 for signing up!
Apply for your Visa® Platinum Business Rewards card before April 30 and receive 5,000 bonus points the first time you use your card. Redeem the bonus points for a $50 statement credit—or another reward that strikes your fancy.
Simply apply in-store at your nearest neighborhood store or by calling 1-866-4UMPQUA (1-866-486 7782). (Sorry, this offer is not available when you apply online.)
Offer Terms and Conditions
Cardmember will receive a bonus of 2,500 points upon first purchase, which is in addition to the standard 2,500 points awarded upon first purchase, for a total of 5,000 initial points. To qualify for the bonus, the first purchase must be made within 90 days of account opening, account must be opened between 3/1/09 and 4/30/09, and account must be open and in good standing (not overlimit or past due) at the time the bonus is to be awarded. Cardmembers can redeem points online (through the Rewards Center) or by calling Cardmember Service at 1-888-229-8864. The creditor, issuer and service provider is Elan Financial Services. Offer subject to credit approval; see card Terms & Conditions.
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What it is:
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Line of credit from $5,000 to $100,000 with a variable interest rate.
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Line of credit from $5,000 to $500,000 with a variable interest rate.
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Loan from $5,000 to $500,000 with a fixed interest rate.
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Best use:
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Short-term working capital, seasonal purchases, inventory or payroll.
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Short-term operating expenses or small capital expenditures.
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New or used vehicles, long-term working capital, equipment, existing debt, expansion.
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Term:
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Up to 3 years
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Up to 3 years
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Up to 5 years 1
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Collateral:
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None. Unsecured
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Unencumbered real estate and other business assets except
- bare land
- residential rental property
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Unencumbered real estate and other business assets except
- bare land
- residential rental property
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Amount you can borrow:
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$5,000 to $100,000 (subject to credit approval)
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$5,000 to $500,000 (subject to credit approval)
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$5,000 to $500,000 (subject to credit approval)
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Extras:
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•0.50% reduction for auto payment from Umpqua checking account. Not available for lines of credit with no closing document option.
• No annual fee for the first year
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•0.50% reduction for auto payment from Umpqua checking account
•No annual fee for the first year
•SBA government-guaranteed lines available
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• 0.50% reduction for auto payment from Umpqua checking account
• SBA government-guaranteed loans available
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Minimum monthly payment:
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Interest only or 2% of principal balance, plus current interest due with $100 minimum due.
Balloon payment at maturity. See details.
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Interest only or 2% of principal balance plus current interest due with $100 minimum due.
Balloon payment at maturity.
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Loan fully amortized over loan term.
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One-time origination fee:
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1% of line amount or $150 whichever is greater
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1% of line amount or $150 whichever is greater
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1% of loan amount or $150, whichever is greater
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Fixed interest rate:
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N/A
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N/A
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Fixed: 6.00% to 8.00% (6.41% to 8.42% APR) 2
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Floor / ceiling:
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Floor 6.0% - Ceiling 18%
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Floor 6.0% - Ceiling 18%
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n/a
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Balloon payment:
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Yes
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Yes
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n/a
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Late payment fee:
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Greater of $10 or 5% of any minimum payment not paid within 10 days after due date.
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Greater of $10 or 5% of any minimum payment not paid within 10 days after due date.
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Greater of $10 or 5% of any minimum payment not paid within 10 days after due date.
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Annual fee:
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$150 (waived first year)
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$150 (waived first year)
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n/a
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Deposit account relationship:
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Umpqua Bank account required
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Umpqua Bank account required
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Umpqua Bank account required
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Interest payment frequency:
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Monthly
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Monthly
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N/A
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Loan rate adjuster
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From 1% to 3%; set during underwriting
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From 1% to 3%; set during underwriting
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N/A
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Loan rate index
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Wall Street Journal Prime Rate
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Wall Street Journal Prime Rate
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N/A
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The fine print:
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1 Click "Rate details" for interest rate information. Rates shown are effective as of 06/19/10. The variable Interest Rate and corresponding Annual Percentage Rate (APR) are based on the Wall Street Journal Prime Rate (the "Index"), currently 3.25%, plus a rate adjuster (spread). The rate adjuster is based on the amount borrowed, the borrower's credit score and loan type (no closing documents or closing documents). The Interest Rate and corresponding APR are subject to change monthly based on changes in the value of the Index. Rates shown include a 0.50% discount for automatic payment from an Umpqua Bank deposit account. The Interest Rate will increase by 0.50% if the automatic payment option is canceled.
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1 Click "Rate details" for interest rate information. Rates shown are effective as of 06/19/10. The variable Interest Rate and corresponding Annual Percentage Rate (APR) are based on the Wall Street Journal Prime Rate (the "Index"), currently 3.25%, plus a rate adjuster (spread). The rate adjuster is based on the amount borrowed and the borrower's credit score. The Interest Rate and corresponding APR are subject to change monthly based on changes in the value of the Index. Rates shown include a 0.50% discount for automatic payment from an Umpqua Bank deposit account. The Interest Rate will increase by 0.50% if the automatic payment option is canceled. Third party closing costs ranging from $500 to $3,000 may apply. 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.
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1 Term of 72 or 84 months available when rolling stock or manufacturing equipment is used as collateral. Certain restrictions apply. Contact your local Umpqua Bank store for additional information.
2 Interest rates shown include a 0.50% discount for automatic payment from an Umpqua Bank deposit account. The Interest Rate will increase by 0.50% if the automatic payment feature is canceled. 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.
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Rate details:
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N/A
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