Columbia Bank

This is a financial institution offering SBA loan programs and small business financing solutions, helping entrepreneurs secure funding for growth and operations.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may be available depending on availability.

Columbia Bank in Lake Oswego is open Monday through Friday from 9:00 AM to 5:00 PM. Confirm current hours and any appointment availability directly with the branch.

There are no fees for initial consultations; however, loan processing and closing may involve standard fees which will be disclosed upfront.

This bank primarily serves local residents and small business owners within its regional service area, but certain programs may be available to out-of-area applicants.

Typically, a minimum personal credit score of 640 is required, though higher scores may improve approval chances.

The underwriting process generally takes between 30 to 45 days, depending on the completeness of the application and documentation provided.

Columbia Bank's Lake Oswego branch is closed on weekends. Saturday and Sunday are not available for in-person visits.

Columbia Bank is located in Oregon — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Columbia Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Columbia Bank itself, which runs its own lending under its own ownership. If you work at Columbia Bank, you can claim this listing from this page to manage it.

The core details for Columbia Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Columbia Bank before applying. If you represent Columbia Bank, claim this listing to keep its information up to date.

You can reach Columbia Bank by phone at (503) 697-5300 or online at locations.umpquabank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Columbia Bank before relying on them.

Based on its approved SBA loans, Columbia Bank most often finances businesses in construction & contractors, general retail, restaurants & food service, medical practices & clinics, manufacturing, and wholesale & distribution. This reflects Columbia Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Columbia Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Columbia Bank participates in SBA Express depends on its specific SBA lending authority. Contact Columbia Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Columbia Bank holds SBA Preferred Lender status, which allows faster loan approval without individual SBA review. Confirm current authorization and applicant eligibility directly with the bank.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Columbia Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Columbia Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Columbia Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Columbia Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Columbia Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Columbia Bank weighs this case by case under its own policy, so be upfront about your history and ask Columbia Bank how it evaluates prior bankruptcies.