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County18th of 34 in Oregon by approvalsFIPS 41003
SBA loans in Benton County, Oregon
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 54 loans to businesses in Benton County, Oregon, in FY2021 to FY2025, worth $25.6M: 46 under 7(a) and 8 under 504.
That is 24.5 approvals per 1,000 business establishments (2,200 establishments in 2023), below the Oregon figure of 40.8 and below the national 41.0.
It ranks 18th of 34 Oregon counties with approvals. In FY2025 there were 14, up 27% on FY2024.
23 lenders had approvals here; the most active were Columbia Bank (9), U.S. Bank, National Association (7) and Evergreen Business Capital (4). The most common industry was residential building construction.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Benton County
By number of approvals to businesses in the county, FY2021–FY2025; 23 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 9 | $750K | 16.7% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 7 | $877K | 13.0% | |
| 3 | Evergreen Business CapitalSeattle, WA · CDC | 4 | $1.3M | 7.4% | |
| 4 | KeyBank National AssociationCleveland, OH | 4 | $94K | 7.4% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 3 | $5.7M | 5.6% | |
| 6 | Banc of CaliforniaLos Angeles, CA | 3 | $2.3M | 5.6% | |
| 7 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $500K | 5.6% | |
| 8 | C.C.D. Business Development CorporationRoseburg, OR · CDC | 2 | — | 3.7% | |
| 9 | Pathward National AssociationSioux Falls, SD | 2 | — | 3.7% | |
| 10 | First Internet Bank of IndianaFishers, IN | 2 | — | 3.7% | |
| 11 | The Huntington National BankColumbus, OH | 2 | — | 3.7% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.7% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 1.9% | |
| 14 | Mountain Pacific BankEverett, WA | 1 | — | 1.9% | |
| 15 | VelocitySBA, LLCIrving, TX | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 5 | 9.3% | |
| 2 | Special Food ServicesNAICS 7223 | 5 | 9.3% | |
| 3 | Wired and Wireless Telecommunications CarriersNAICS 5173 | 2 | 3.7% | |
| 4 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 3.7% | |
| 5 | Furniture and Home Furnishings RetailersNAICS 4491 | 2 | 3.7% | |
| 6 | Support Activities for ForestryNAICS 1153 | 2 | 3.7% | |
| 7 | Offices of DentistsNAICS 6212 | 2 | 3.7% | |
| 8 | Offices of PhysiciansNAICS 6211 | 2 | 3.7% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 3.7% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 11 | 20.4% | |
| 2 | Health Care and Social Assistance | 7 | 13.0% | |
| 3 | Retail Trade | 6 | 11.1% | |
| 4 | Accommodation and Food Services | 6 | 11.1% | |
| 5 | Professional, Scientific, and Technical Services | 4 | 7.4% | |
| 6 | Manufacturing | 4 | 7.4% | |
| 7 | Information | 3 | 5.6% | |
| 8 | Real Estate and Rental and Leasing | 3 | 5.6% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 10 | $2.8M | $107K | 0 | — | 10 | 65 |
| FY2025 | 14 | $6.6M | $168K | 0 | — | 14 | 144 |
| FY2024 | 11 | $2.9M | $100K | 0 | — | 11 | 72 |
| FY2023 | 6 | $5.5M | $382K | 1 | — | 7 | 163 |
| FY2022 | 5 | $1.5M | $40K | 2 | — | 7 | 47 |
| FY2021 | 10 | $4.2M | $292K | 5 | $3.9M | 15 | 84 |
| FY2020 | 12 | $5.1M | $363K | 1 | — | 13 | 51 |
| FY2019 | 10 | $2.4M | $150K | 1 | — | 11 | 76 |
| FY2018 | 3 | $664K | $242K | 2 | — | 5 | 39 |
| FY2017 | 12 | $6.5M | $278K | 0 | — | 12 | 47 |
| FY2016 | 8 | $5.4M | $248K | 3 | $2.3M | 11 | 78 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 52 approvals.
Against Oregon and the country
| FY2021–FY2025 | Benton County | Oregon | United States |
|---|---|---|---|
| Approvals | 54 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 24.5 | 40.8 | 41.0 |
| Median 7(a) approval | $213K | $118K | $190K |
| Median 504 approval | $404K | $667K | $657K |
| Average approval | $475K | $529K | $573K |
| 504 share of approvals | 14.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 9.4 | 8.4 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less33.3%18
- $50,001 to $150,0007.4%4
- $150,001 to $350,00020.4%11
- $350,001 to $1 million25.9%14
- $1 million to $2 million5.6%3
- Over $2 million7.4%4
Age of the businesses
- Existing, more than 2 years old68.5%37
- New business, 2 years or less14.8%8
- Startup, loan funds will open the business5.6%3
- Change of ownership11.1%6
Questions and answers
Which lenders make the most SBA loans in Benton County?
By approvals in FY2021 to FY2025: Columbia Bank (9), U.S. Bank, National Association (7), Evergreen Business Capital (4), KeyBank National Association (4), Live Oak Banking Company (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Benton County?
The median 7(a) approval was $213K and the median 504 approval $404K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Benton County?
Residential Building Construction (5); Special Food Services (5); Wired and Wireless Telecommunications Carriers (2); Foundation, Structure, and Building Exterior Contractors (2); Furniture and Home Furnishings Retailers (2).
Is SBA lending in Benton County rising?
Approvals in the three latest complete fiscal years total 32, against 35 in the three before: broadly level (-9%).
How does Benton County compare with the rest of Oregon?
24.5 approvals per 1,000 establishments against 40.8 statewide, and 54 of the state's 5,000 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error