# Columbia Bank (SBA lending)

The bank Umpqua became, SBA desk and all.

The Northwest's biggest headquartered bank and the name Umpqua Bank became in September 2025, now carrying Pacific Premier's SBA practice too. It is a Preferred Lender with local decisions, writing 7(a) loans from $5,000 to $5 million at terms to 25 years on real estate and 10 on other purposes, across eight western states. The page names no acquisition use; the FOIA loan file counts 151 change-of-ownership loans across its Washington and Oregon seats anyway.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.columbiabank.com/business-banking/loans-and-lines/sba/

## At a Glance

The Northwest's scale desk wearing its third name: a [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) with local decisions and a real two-state acquisition book its own page never mentions. In its eight states, open with the acquisition question the page skips, and bring the published-terms desks' figures for the rate conversation.

## What It Costs

Loan products; no fee to engage. The SBA page publishes the structure and two small candors: 7(a) from $5,000 to $5,000,000, terms to 25 years for commercial real estate and 10 for other purposes, no origination fees on some loans, and rate discounts possible with autopay. Fixed or variable, figures left to the file. The FOIA loan file places it third in Washington with 101 and second in Oregon with 50 change-of-ownership loans across the file's six years, under the charter the file keys as Columbia Bank of Oregon, the Umpqua-era book included.

## Best For

Buyers across its eight western states who want the region's biggest local-decision SBA desk, and anyone who knew this bank as Umpqua

## Pros and Cons

- Pro: Third in Washington's and second in Oregon's [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) tables in the FOIA loan file, 151 loans across the two
- Pro: A Preferred Lender advertising local decisions and a dedicated SBA team, at the scale of the Northwest's largest headquartered bank
- Pro: Publishes the range and the clock, $5,000 to $5 million and 25-and-10-year terms, plus no origination fees on some loans
- Pro: Pacific Premier's SBA and USDA practice folded in by its own announcement, deepening the desk it already had
- Con: The SBA page never names business acquisition; the file says the desk closes them, but make the conversation start there
- Con: No rates or down payments published; fixed-or-variable and discount notes are the only pricing said
- Con: Two brand changes in three years, Columbia to Umpqua to Columbia, so older reviews and referrals may name a bank that no longer exists by that name
- Con: No Searchfunder or Reddit thread discusses the lender, so there is no practitioner account of how it handles a [search-fund](https://searchspheresource.com/glossary/search-fund) file

## What Searchers Say

The Preferred Lender status, the local-decisions line, the [7(a)](https://searchspheresource.com/glossary/sba-7a) range and terms, and the fee and autopay notes are its own page's, read through a bot challenge with the browser recipe; the brand unification and the Pacific Premier absorption are its own announcements'. The FOIA loan file independently places it third in Washington and second in Oregon for change-of-ownership loans across the file's six years, under the Oregon-keyed charter that includes the Umpqua-era book. The eight-state footprint is enumerated in its own release.

## Sources

- https://www.columbiabank.com/business-banking/loans-and-lines/sba/
- https://www.columbiabank.com/blog/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand/
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/columbia-bank-nw
Last checked: 2026-09-20

Site index for machines: https://searchspheresource.com/llms.txt