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County3rd of 34 in Oregon by approvalsFIPS 41005
SBA loans in Clackamas 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 565 loans to businesses in Clackamas County, Oregon, in FY2021 to FY2025, worth $298M: 540 under 7(a) and 25 under 504.
That is 43.9 approvals per 1,000 business establishments (12,862 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 3rd of 34 Oregon counties with approvals. In FY2025 there were 127, about level with FY2024.
76 lenders had approvals here; the most active were Columbia Bank (113), U.S. Bank, National Association (76) and KeyBank National Association (38). 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 Clackamas County
By number of approvals to businesses in the county, FY2021–FY2025; 76 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 113 | $21.1M | 20.0% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 76 | $14.9M | 13.5% | |
| 3 | KeyBank National AssociationCleveland, OH | 38 | $14.1M | 6.7% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 23 | $9.9M | 4.1% | |
| 5 | Banc of CaliforniaLos Angeles, CA | 21 | $29.5M | 3.7% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 20 | $16.7M | 3.5% | |
| 7 | Northeast BankLewiston, ME | 20 | $2.9M | 3.5% | |
| 8 | Banner BankWalla Walla, WA | 19 | $4.7M | 3.4% | |
| 9 | The Huntington National BankColumbus, OH | 14 | $4.4M | 2.5% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 12 | $8.9M | 2.1% | |
| 11 | Harborstone CULakewood, WA | 12 | $6.4M | 2.1% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 12 | $2.1M | 2.1% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 12 | $1.8M | 2.1% | |
| 14 | BMO Bank National AssociationChicago, IL | 11 | $10.7M | 1.9% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 11 | $3.0M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 36 | 6.4% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 26 | 4.6% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 23 | 4.1% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 21 | 3.7% | |
| 5 | Personal Care ServicesNAICS 8121 | 21 | 3.7% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 19 | 3.4% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 18 | 3.2% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 18 | 3.2% | |
| 9 | General Freight TruckingNAICS 4841 | 13 | 2.3% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 11 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 129 | 22.8% | |
| 2 | Retail Trade | 62 | 11.0% | |
| 3 | Other Services (except Public Administration) | 54 | 9.6% | |
| 4 | Health Care and Social Assistance | 52 | 9.2% | |
| 5 | Professional, Scientific, and Technical Services | 46 | 8.1% | |
| 6 | Manufacturing | 43 | 7.6% | |
| 7 | Accommodation and Food Services | 35 | 6.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 29 | 5.1% |
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* | 100 | $51.2M | $150K | 3 | $1.7M | 103 | 854 |
| FY2025 | 123 | $55.8M | $150K | 4 | $3.8M | 127 | 986 |
| FY2024 | 117 | $47.6M | $100K | 4 | $2.3M | 121 | 957 |
| FY2023 | 119 | $56.2M | $218K | 7 | $6.9M | 126 | 1,508 |
| FY2022 | 86 | $46.6M | $100K | 4 | $3.6M | 90 | 619 |
| FY2021 | 95 | $68.5M | $280K | 6 | $6.2M | 101 | 707 |
| FY2020 | 108 | $44.4M | $105K | 10 | $14.7M | 118 | 989 |
| FY2019 | 126 | $48.1M | $106K | 6 | $5.4M | 132 | 1,026 |
| FY2018 | 134 | $48.4M | $56K | 5 | $5.8M | 139 | 1,360 |
| FY2017 | 85 | $50.1M | $203K | 1 | — | 86 | 715 |
| FY2016 | 111 | $51.5M | $135K | 7 | $6.7M | 118 | 1,116 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 593 approvals.
Against Oregon and the country
| FY2021–FY2025 | Clackamas County | Oregon | United States |
|---|---|---|---|
| Approvals | 565 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 43.9 | 40.8 | 41.0 |
| Median 7(a) approval | $150K | $118K | $190K |
| Median 504 approval | $710K | $667K | $657K |
| Average approval | $527K | $529K | $573K |
| 504 share of approvals | 4.4% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 8.5 | 8.4 | 10.5 |
| Share of state approvals | 11.3% | 100.0% | — |
Approval sizes
- $50,000 or less36.8%208
- $50,001 to $150,00014.0%79
- $150,001 to $350,00013.5%76
- $350,001 to $1 million21.2%120
- $1 million to $2 million8.5%48
- Over $2 million6.0%34
Age of the businesses
- Existing, more than 2 years old65.5%370
- New business, 2 years or less17.0%96
- Startup, loan funds will open the business9.4%53
- Change of ownership8.1%46
Questions and answers
Which lenders make the most SBA loans in Clackamas County?
By approvals in FY2021 to FY2025: Columbia Bank (113), U.S. Bank, National Association (76), KeyBank National Association (38), Wells Fargo Bank National Association (23), Banc of California (21). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clackamas County?
The median 7(a) approval was $150K and the median 504 approval $710K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Clackamas County?
Residential Building Construction (36); Restaurants and Other Eating Places (26); Building Equipment Contractors (23); Other Specialty Trade Contractors (21); Personal Care Services (21).
Is SBA lending in Clackamas County rising?
Approvals in the three latest complete fiscal years total 374, against 309 in the three before: rising (+21%).
How does Clackamas County compare with the rest of Oregon?
43.9 approvals per 1,000 establishments against 40.8 statewide, and 565 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