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County14th of 34 in Oregon by approvalsFIPS 41019
SBA loans in Douglas 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.
Businesses in Douglas County, Oregon, received 69 SBA loan approvals worth $45.1M in FY2021 to FY2025 (65 7(a), 4 504).
That is 25.9 approvals per 1,000 business establishments (2,659 establishments in 2023), below the Oregon figure of 40.8 and below the national 41.0.
It ranks 14th of 34 Oregon counties with approvals. In FY2025 there were 20, down 13% on FY2024.
20 lenders had approvals here; the most active were Columbia Bank (18), U.S. Bank, National Association (10) and Banner Bank (7). The most common industry was traveler accommodation.
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 Douglas County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 18 | $6.8M | 26.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 10 | $1.2M | 14.5% | |
| 3 | Banner BankWalla Walla, WA | 7 | $805K | 10.1% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $5.5M | 7.2% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 4 | $6.1M | 5.8% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $2.5M | 4.3% | |
| 7 | First Interstate BankBillings, MT | 3 | $542K | 4.3% | |
| 8 | Mountain Pacific BankEverett, WA | 2 | — | 2.9% | |
| 9 | Harborstone CULakewood, WA | 2 | — | 2.9% | |
| 10 | C.C.D. Business Development CorporationRoseburg, OR · CDC | 2 | — | 2.9% | |
| 11 | Byline BankChicago, IL | 2 | — | 2.9% | |
| 12 | The Huntington National BankColumbus, OH | 2 | — | 2.9% | |
| 13 | Northeast BankLewiston, ME | 2 | — | 2.9% | |
| 14 | Bank Five NineOconomowoc, WI | 1 | — | 1.4% | |
| 15 | Cascade Capital FundingSalem, OR · CDC | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 7 | 10.1% | |
| 2 | Residential Building ConstructionNAICS 2361 | 6 | 8.7% | |
| 3 | Grocery StoresNAICS 4451 | 4 | 5.8% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.8% | |
| 5 | Health and Personal Care RetailersNAICS 4561 | 3 | 4.3% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 4.3% | |
| 7 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 3 | 4.3% | |
| 8 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 2 | 2.9% | |
| 9 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 2.9% | |
| 10 | Personal Care ServicesNAICS 8121 | 2 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 20.3% | |
| 2 | Construction | 13 | 18.8% | |
| 3 | Retail Trade | 12 | 17.4% | |
| 4 | Other Services (except Public Administration) | 8 | 11.6% | |
| 5 | Manufacturing | 5 | 7.2% | |
| 6 | Health Care and Social Assistance | 3 | 4.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 3 | 4.3% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 3 | 4.3% |
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* | 17 | $11.9M | $50K | 1 | — | 18 | 195 |
| FY2025 | 20 | $8.5M | $50K | 0 | — | 20 | 65 |
| FY2024 | 22 | $8.1M | $50K | 1 | — | 23 | 134 |
| FY2023 | 7 | $11.4M | $1.5M | 0 | — | 7 | 57 |
| FY2022 | 4 | $3.7M | $242K | 2 | — | 6 | 65 |
| FY2021 | 12 | $8.3M | $545K | 1 | — | 13 | 76 |
| FY2020 | 10 | $5.9M | $175K | 4 | $2.2M | 14 | 124 |
| FY2019 | 13 | $4.2M | $136K | 1 | — | 14 | 120 |
| FY2018 | 13 | $4.2M | $150K | 0 | — | 13 | 75 |
| FY2017 | 15 | $7.6M | $150K | 2 | — | 17 | 170 |
| FY2016 | 16 | $6.3M | $136K | 0 | — | 16 | 98 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 74 approvals.
Against Oregon and the country
| FY2021–FY2025 | Douglas County | Oregon | United States |
|---|---|---|---|
| Approvals | 69 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 25.9 | 40.8 | 41.0 |
| Median 7(a) approval | $200K | $118K | $190K |
| Median 504 approval | $867K | $667K | $657K |
| Average approval | $654K | $529K | $573K |
| 504 share of approvals | 5.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 5.8 | 8.4 | 10.5 |
| Share of state approvals | 1.4% | 100.0% | — |
Approval sizes
- $50,000 or less37.7%26
- $50,001 to $150,0008.7%6
- $150,001 to $350,00014.5%10
- $350,001 to $1 million17.4%12
- $1 million to $2 million11.6%8
- Over $2 million10.1%7
Age of the businesses
- Existing, more than 2 years old58.0%40
- New business, 2 years or less20.3%14
- Startup, loan funds will open the business4.3%3
- Change of ownership17.4%12
Questions and answers
Which lenders make the most SBA loans in Douglas County?
By approvals in FY2021 to FY2025: Columbia Bank (18), U.S. Bank, National Association (10), Banner Bank (7), Readycap Lending, LLC (5), Live Oak Banking Company (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Douglas County?
The median 7(a) approval was $200K and the median 504 approval $867K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Douglas County?
Traveler Accommodation (7); Residential Building Construction (6); Grocery Stores (4); Restaurants and Other Eating Places (4); Health and Personal Care Retailers (3).
Is SBA lending in Douglas County rising?
Approvals in the three latest complete fiscal years total 50, against 33 in the three before: rising (+52%).
How does Douglas County compare with the rest of Oregon?
25.9 approvals per 1,000 establishments against 40.8 statewide, and 69 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