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County8th of 34 in Oregon by approvalsFIPS 41041
SBA loans in Lincoln 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 Lincoln County, Oregon, received 130 SBA loan approvals worth $36.1M in FY2021 to FY2025 (119 7(a), 11 504).
That is 80.6 approvals per 1,000 business establishments (1,613 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 8th of 34 Oregon counties with approvals. In FY2025 there were 19, down 14% on FY2024.
21 lenders had approvals here; the most active were Columbia Bank (45), 1st Security Bank of Washington (40) and U.S. Bank, National Association (15). 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 Lincoln County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 45 | $3.1M | 34.6% | |
| 2 | 1st Security Bank of WashingtonMountlake Terrace, WA | 40 | $1.0M | 30.8% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 15 | $4.7M | 11.5% | |
| 4 | Cascade Capital FundingSalem, OR · CDC | 5 | $5.7M | 3.8% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $2.7M | 3.1% | |
| 6 | Evergreen Business CapitalSeattle, WA · CDC | 3 | $2.8M | 2.3% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 2 | — | 1.5% | |
| 8 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 2 | — | 1.5% | |
| 9 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 1.5% | |
| 10 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 0.8% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 0.8% | |
| 12 | Mission Valley BankSun Valley, CA | 1 | — | 0.8% | |
| 13 | Summit BankEugene, OR | 1 | — | 0.8% | |
| 14 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 0.8% | |
| 15 | Enterprise Bank & TrustClayton, MO | 1 | — | 0.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 13 | 10.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 8.5% | |
| 3 | Traveler AccommodationNAICS 7211 | 7 | 5.4% | |
| 4 | FishingNAICS 1141 | 6 | 4.6% | |
| 5 | Building Material and Supplies DealersNAICS 4441 | 5 | 3.8% | |
| 6 | Grocery StoresNAICS 4451 | 5 | 3.8% | |
| 7 | Lawn and Garden Equipment and Supplies StoresNAICS 4442 | 5 | 3.8% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 5 | 3.8% | |
| 9 | Office Supplies, Stationery, and Gift StoresNAICS 4532 | 4 | 3.1% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 37 | 28.5% | |
| 2 | Construction | 23 | 17.7% | |
| 3 | Accommodation and Food Services | 20 | 15.4% | |
| 4 | Manufacturing | 9 | 6.9% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 8 | 6.2% | |
| 6 | Other Services (except Public Administration) | 8 | 6.2% | |
| 7 | Real Estate and Rental and Leasing | 5 | 3.8% | |
| 8 | Transportation and Warehousing | 5 | 3.8% |
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* | 20 | $5.2M | $49K | 0 | — | 20 | 132 |
| FY2025 | 17 | $1.3M | $50K | 2 | — | 19 | 100 |
| FY2024 | 21 | $3.0M | $50K | 1 | — | 22 | 146 |
| FY2023 | 22 | $5.8M | $25K | 1 | — | 23 | 143 |
| FY2022 | 32 | $6.7M | $25K | 4 | $1.6M | 36 | 155 |
| FY2021 | 27 | $6.8M | $25K | 3 | $5.1M | 30 | 117 |
| FY2020 | 16 | $5.2M | $25K | 0 | — | 16 | 156 |
| FY2019 | 11 | $7.9M | $25K | 1 | — | 12 | 54 |
| FY2018 | 30 | $11.6M | $25K | 0 | — | 30 | 258 |
| FY2017 | 7 | $12.8M | $1.4M | 1 | — | 8 | 145 |
| FY2016 | 5 | $3.1M | $540K | 0 | — | 5 | 44 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 71 approvals.
Against Oregon and the country
| FY2021–FY2025 | Lincoln County | Oregon | United States |
|---|---|---|---|
| Approvals | 130 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 80.6 | 40.8 | 41.0 |
| Median 7(a) approval | $25K | $118K | $190K |
| Median 504 approval | $560K | $667K | $657K |
| Average approval | $278K | $529K | $573K |
| 504 share of approvals | 8.5% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 5.1 | 8.4 | 10.5 |
| Share of state approvals | 2.6% | 100.0% | — |
Approval sizes
- $50,000 or less70.8%92
- $50,001 to $150,0006.2%8
- $150,001 to $350,0006.2%8
- $350,001 to $1 million7.7%10
- $1 million to $2 million3.1%4
- Over $2 million6.2%8
Age of the businesses
- Existing, more than 2 years old88.5%115
- New business, 2 years or less6.2%8
- Startup, loan funds will open the business3.8%5
- Change of ownership1.5%2
Questions and answers
Which lenders make the most SBA loans in Lincoln County?
By approvals in FY2021 to FY2025: Columbia Bank (45), 1st Security Bank of Washington (40), U.S. Bank, National Association (15), Cascade Capital Funding (5), Readycap Lending, LLC (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lincoln County?
The median 7(a) approval was $25K and the median 504 approval $560K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Lincoln County?
Residential Building Construction (13); Restaurants and Other Eating Places (11); Traveler Accommodation (7); Fishing (6); Building Material and Supplies Dealers (5).
Is SBA lending in Lincoln County rising?
Approvals in the three latest complete fiscal years total 64, against 82 in the three before: falling (-22%).
How does Lincoln County compare with the rest of Oregon?
80.6 approvals per 1,000 establishments against 40.8 statewide, and 130 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