Product Questions? We are happy to help, just give us a call at 800.997.7121
Business Resources The U.S. Small Business Administration's learning center presents a wealth of knowledge for small business owners. Here are just a few of their courses.
Meet Your Local Lenders Florence Branch picture_bobedstrom Bob Edstrom
EVP, Chief Credit Officer

picture_mikewebb Mike Webb
VP, Commercial Relationship Manager
NMLS #402704

Coos Bay Branch picture_deenagisholt Deena Gisholt
VP, Branch Manager & Commercial Relationship Manager
NMLS #402700

Eugene Trust and Professional Banking Office picture_jeffgusinow Jeff Gusinow
Professional Banking Team Leader
Commercial Relationship Manager

Roseburg Branch picture_cindykent Cindy Kent
VP, Commercial Relationship Manager
NMLS #402701

picture_timcorzine Tim Corzine
VP, Commercial Relationship Manager
Business Lending
Small Business Lending Solutions As a community bank, we know how hard it can be to run your own business, and we applaud you for having the courage to do so. At Oregon Pacific Bank, lending to small business owners is one of our specialties. As our business client, you'll benefit from working with a team of local decision makers who will take the time to sit down with you in person and discover the best way to approach your individual business needs.
Commercial Real Estate Loans
  • For expansion, relocation, or purchase of initial property
  • Owner occupied, investment, and multifamily real estate
Equipment Financing
  • For long-term working capital, vehicles, and other equipment (logging, medical, office supplies, etc.)
  • Available for purchase transactions or refinance of existing debt
Revolving Line of Credit
  • For short-term working capital
  • Seasonal expenses, payroll, or inventory purchases
  • Interest paid on average outstanding principal balances
Term Loans
  • For fixed-asset financing and permanent working capital
Construction Loans
  • For construction, remodel, or repair of commercial property
Business Government Guaranteed Loans Oregon Pacific Bank specializes in providing various guaranteed loan programs that can be tailored to meet the specific financial needs of our small business clients. Several of these guarantee programs enable the Bank to offer rate, term and loan structure options that are not normally available to regular commercial borrowers.
Business Oregon - Oregon Credit Enhancement Fund
  • Loan directly funded by Oregon Pacific Bank
  • Maximum insurance of $2 million on term loans and $1.5 million on lines of credit
  • Proceeds can be used to purchase fixed assets or provide working capital
Business Oregon - Oregon Business Development Fund
  • Participants must create or retain jobs in manufacturing, processing, or distribution
  • Direct loan from Business Oregon and Oregon Pacific Bank. Business Oregon loan subordinated to Bank loan to supplement equity requirement
  • Business Oregon loan amount cannot exceed $1 million. Bank loan is unlimited
  • Proceeds can be used to finance land, buildings, equipment, and permanent working capital
USDA - Business & Industry Guaranteed Loan Programs
  • Loan directly funded by Oregon Pacific Bank
  • Loans up to $10 million
  • Proceeds can be used to acquire a business when the loan will retain or increase jobs, develop, modernize, or repair operating facility, purchase real estate, equipment, or inventory
  • Program is limited to rural communities with less than 50,000 people
Small Business Administration - 504/CDC Loan
  • Direct loan from Certified Development Co,(CDC) and Oregon Pacific Bank. CDC loans subordinated to Bank loan to supplement equity requirement
  • Up to 90% combined financing. Additional equity may be required if new business, or if asset is deemed to be single purpose
  • Proceeds can be used to purchase land and improvements, construction of new facilities, and the purchase of long-term machinery and equipment
Small Business Administration - 7(a) Loan Guarantee Program
  • Loan directly funded by Oregon Pacific Bank
  • Loans up to $5 million
  • Proceeds can be used to purchase real estate, equipment, supplies, and materials, establish a new business, or acquire a business
  • Refinance of existing business debt under certain conditions

*Please see your local Commercial Relationship Manager for information on current rates and terms.