County5th of 34 in Oregon by approvalsFIPS 41039
SBA loans in Lane 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 406 loans to businesses in Lane County, Oregon, in FY2021 to FY2025, worth $186M: 367 under 7(a) and 39 under 504.
That is 40.0 approvals per 1,000 business establishments (10,151 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 5th of 34 Oregon counties with approvals. In FY2025 there were 109, up 31% on FY2024.
56 lenders had approvals here; the most active were Columbia Bank (100), U.S. Bank, National Association (64) and Banner Bank (30). The most common industry was offices of other health practitioners.
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 Lane County
By number of approvals to businesses in the county, FY2021–FY2025; 56 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 100 | $8.7M | 24.6% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 64 | $15.0M | 15.8% | |
| 3 | Banner BankWalla Walla, WA | 30 | $4.1M | 7.4% | |
| 4 | Summit BankEugene, OR | 21 | $23.2M | 5.2% | |
| 5 | Evergreen Business CapitalSeattle, WA · CDC | 17 | $10.2M | 4.2% | |
| 6 | KeyBank National AssociationCleveland, OH | 15 | $4.2M | 3.7% | |
| 7 | The Huntington National BankColumbus, OH | 13 | $7.5M | 3.2% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 12 | $2.3M | 3.0% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 10 | $5.4M | 2.5% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $2.5M | 2.5% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 8 | $9.9M | 2.0% | |
| 12 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 8 | $5.2M | 2.0% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 7 | $11.0M | 1.7% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 7 | $6.9M | 1.7% | |
| 15 | Northeast BankLewiston, ME | 7 | $824K | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of Other Health PractitionersNAICS 6213 | 22 | 5.4% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 21 | 5.2% | |
| 3 | Residential Building ConstructionNAICS 2361 | 16 | 3.9% | |
| 4 | Personal Care ServicesNAICS 8121 | 15 | 3.7% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 15 | 3.7% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 3.0% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 12 | 3.0% | |
| 8 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 11 | 2.7% | |
| 9 | Offices of PhysiciansNAICS 6211 | 10 | 2.5% | |
| 10 | Traveler AccommodationNAICS 7211 | 9 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 53 | 13.1% | |
| 2 | Construction | 53 | 13.1% | |
| 3 | Health Care and Social Assistance | 49 | 12.1% | |
| 4 | Accommodation and Food Services | 40 | 9.9% | |
| 5 | Other Services (except Public Administration) | 38 | 9.4% | |
| 6 | Professional, Scientific, and Technical Services | 37 | 9.1% | |
| 7 | Manufacturing | 28 | 6.9% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 26 | 6.4% |
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* | 59 | $15.2M | $50K | 1 | — | 60 | 369 |
| FY2025 | 101 | $50.7M | $96K | 8 | $10.3M | 109 | 963 |
| FY2024 | 77 | $20.1M | $100K | 6 | $6.4M | 83 | 777 |
| FY2023 | 63 | $25.2M | $50K | 0 | — | 63 | 551 |
| FY2022 | 66 | $23.1M | $102K | 5 | $2.5M | 71 | 677 |
| FY2021 | 60 | $36.7M | $165K | 20 | $11.2M | 80 | 542 |
| FY2020 | 71 | $27.8M | $100K | 7 | $3.8M | 78 | 1,065 |
| FY2019 | 68 | $21.0M | $50K | 8 | $2.7M | 76 | 464 |
| FY2018 | 77 | $32.4M | $150K | 8 | $4.2M | 85 | 796 |
| FY2017 | 69 | $34.2M | $250K | 4 | $2.4M | 73 | 675 |
| FY2016 | 63 | $18.2M | $162K | 7 | $5.3M | 70 | 661 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 382 approvals.
Against Oregon and the country
| FY2021–FY2025 | Lane County | Oregon | United States |
|---|---|---|---|
| Approvals | 406 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 40.0 | 40.8 | 41.0 |
| Median 7(a) approval | $96K | $118K | $190K |
| Median 504 approval | $524K | $667K | $657K |
| Average approval | $459K | $529K | $573K |
| 504 share of approvals | 9.6% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 8.6 | 8.4 | 10.5 |
| Share of state approvals | 8.1% | 100.0% | — |
Approval sizes
- $50,000 or less41.4%168
- $50,001 to $150,00012.8%52
- $150,001 to $350,00012.6%51
- $350,001 to $1 million20.2%82
- $1 million to $2 million8.4%34
- Over $2 million4.7%19
Age of the businesses
- Existing, more than 2 years old66.5%270
- New business, 2 years or less18.0%73
- Startup, loan funds will open the business7.4%30
- Change of ownership8.1%33
Questions and answers
Which lenders make the most SBA loans in Lane County?
By approvals in FY2021 to FY2025: Columbia Bank (100), U.S. Bank, National Association (64), Banner Bank (30), Summit Bank (21), Evergreen Business Capital (17). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lane County?
The median 7(a) approval was $96K and the median 504 approval $524K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Lane County?
Offices of Other Health Practitioners (22); Restaurants and Other Eating Places (21); Residential Building Construction (16); Personal Care Services (15); Services to Buildings and Dwellings (15).
Is SBA lending in Lane County rising?
Approvals in the three latest complete fiscal years total 255, against 229 in the three before: rising (+11%).
How does Lane County compare with the rest of Oregon?
40.0 approvals per 1,000 establishments against 40.8 statewide, and 406 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