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County19th of 34 in Oregon by approvalsFIPS 41009
SBA loans in Columbia 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 52 loans to businesses in Columbia County, Oregon, in FY2021 to FY2025, worth $35.6M: 46 under 7(a) and 6 under 504.
That is 52.2 approvals per 1,000 business establishments (996 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 19th of 34 Oregon counties with approvals. In FY2025 there were 13.
22 lenders had approvals here; the most active were U.S. Bank, National Association (22), Columbia Bank (4) and Live Oak Banking Company (3). The most common industry was restaurants and other eating places.
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 Columbia County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 22 | $3.4M | 42.3% | |
| 2 | Columbia BankLake Oswego, OR | 4 | $1.6M | 7.7% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 3 | $4.7M | 5.8% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.8% | |
| 5 | Evergreen Business CapitalSeattle, WA · CDC | 2 | — | 3.8% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.8% | |
| 7 | 1st Security Bank of WashingtonMountlake Terrace, WA | 2 | — | 3.8% | |
| 8 | Cascade Capital FundingSalem, OR · CDC | 1 | — | 1.9% | |
| 9 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 1.9% | |
| 10 | Enterprise Bank & TrustClayton, MO | 1 | — | 1.9% | |
| 11 | Ameris BankAtlanta, GA | 1 | — | 1.9% | |
| 12 | Banc of CaliforniaLos Angeles, CA | 1 | — | 1.9% | |
| 13 | Seacoast National BankStuart, FL | 1 | — | 1.9% | |
| 14 | Port 51 Lending LLCNew York, NY | 1 | — | 1.9% | |
| 15 | American Continental BankCity of Industry, CA | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 7.7% | |
| 2 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 4 | 7.7% | |
| 3 | Lessors of Real EstateNAICS 5311 | 3 | 5.8% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 3 | 5.8% | |
| 5 | Other Personal ServicesNAICS 8129 | 3 | 5.8% | |
| 6 | Special Food ServicesNAICS 7223 | 3 | 5.8% | |
| 7 | Grocery StoresNAICS 4451 | 2 | 3.8% | |
| 8 | Home Furnishings StoresNAICS 4422 | 2 | 3.8% | |
| 9 | Business Support ServicesNAICS 5614 | 2 | 3.8% | |
| 10 | Personal Care ServicesNAICS 8121 | 2 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 21.2% | |
| 2 | Accommodation and Food Services | 8 | 15.4% | |
| 3 | Other Services (except Public Administration) | 6 | 11.5% | |
| 4 | Construction | 6 | 11.5% | |
| 5 | Professional, Scientific, and Technical Services | 6 | 11.5% | |
| 6 | Manufacturing | 4 | 7.7% | |
| 7 | Real Estate and Rental and Leasing | 3 | 5.8% | |
| 8 | Transportation and Warehousing | 3 | 5.8% |
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* | 7 | $1.9M | $106K | 1 | — | 8 | 27 |
| FY2025 | 12 | $5.9M | $189K | 1 | — | 13 | 90 |
| FY2024 | 7 | $492K | $30K | 1 | — | 8 | 21 |
| FY2023 | 9 | $2.5M | $50K | 2 | — | 11 | 87 |
| FY2022 | 8 | $4.7M | $105K | 2 | — | 10 | 116 |
| FY2021 | 10 | $10.6M | $701K | 0 | — | 10 | 206 |
| FY2020 | 7 | $3.9M | $254K | 1 | — | 8 | 88 |
| FY2019 | 5 | $4.1M | $326K | 1 | — | 6 | 81 |
| FY2018 | 6 | $4.1M | $256K | 0 | — | 6 | 107 |
| FY2017 | 4 | $160K | $40K | 2 | — | 6 | 8 |
| FY2016 | 8 | $3.9M | $150K | 0 | — | 8 | 123 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 34 approvals.
Against Oregon and the country
| FY2021–FY2025 | Columbia County | Oregon | United States |
|---|---|---|---|
| Approvals | 52 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 52.2 | 40.8 | 41.0 |
| Median 7(a) approval | $130K | $118K | $190K |
| Median 504 approval | $914K | $667K | $657K |
| Average approval | $685K | $529K | $573K |
| 504 share of approvals | 11.5% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 10.0 | 8.4 | 10.5 |
| Share of state approvals | 1.0% | 100.0% | — |
Approval sizes
- $50,000 or less30.8%16
- $50,001 to $150,00017.3%9
- $150,001 to $350,00017.3%9
- $350,001 to $1 million9.6%5
- $1 million to $2 million13.5%7
- Over $2 million11.5%6
Age of the businesses
- Existing, more than 2 years old65.4%34
- New business, 2 years or less23.1%12
- Startup, loan funds will open the business5.8%3
- Change of ownership5.8%3
Questions and answers
Which lenders make the most SBA loans in Columbia County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (22), Columbia Bank (4), Live Oak Banking Company (3), Readycap Lending, LLC (2), Evergreen Business Capital (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Columbia County?
The median 7(a) approval was $130K and the median 504 approval $914K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Columbia County?
Restaurants and Other Eating Places (4); Automotive Parts, Accessories, and Tire Stores (4); Lessors of Real Estate (3); Building Finishing Contractors (3); Other Personal Services (3).
Is SBA lending in Columbia County rising?
Approvals in the three latest complete fiscal years total 32, against 28 in the three before: rising (+14%).
How does Columbia County compare with the rest of Oregon?
52.2 approvals per 1,000 establishments against 40.8 statewide, and 52 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