Searching for trusted Oregon SBA lenders to power your business growth? Our comprehensive directory connects Oregon entrepreneurs with approved SBA loan providers throughout Portland, Eugene, Salem, Bend and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Oregon businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Oregon small business thrive in the Beaver State’s innovative economic landscape.
| 7(a) Lenders | Phone | Website |
|---|---|---|
| US Bank | 503-985-6203 | usbank.com |
| Umpqua Bank | 503-703-1915 | umpquabank.com |
| KeyBank | 503-403-2160 | key.com |
| Banner Bank | 714-726-9898 | bannerbank.com |
| Wells Fargo | 503-318-3988 | wellsfargo.com |
| Banc of California | 503-698-4109 | bancofcal.com |
| Summit Bank | 541-684-7511 | sbko.bank |
| Enterprise Bank | 425-372-3065 | enterprisebank.com |
| First Interstate Bank | 541-617-3170 | firstinterstatebank.com |
| Bank of the West | 307-677-1242 | bankofthewest.com |
| Chase | 503-957-4446 | jpmorganchase.com |
| Beneficial State Bank | 916-394-5342 | beneficialstatebank.com |
| Heritage Bank | 425-742-2266 | heritagebanknw.com |
| Savibank | 360-755-6591 | savibank.com |
| Bank of America | 707-400-4079 | bankofamerica.com |
| Lewis & Clark Bank | 503-298-2319 | lewisandclarkbank.com |
| People’s Bank of Commerce | 541-248-285 | peoplesbank.bank |
| Washington Trust | 206-667-8952 | watrust.com |
| Citizens Bank | 541-766-2256 | citizensbank.com |
| MESO | 253-300-5414 | mesopdx.org |
| Embold Credit Union | 503-496-3526 | emboldcu.org |
| HomeStreet Bank | 503-445-3148 | homestreet.com |
| OnPoint Community CU | 503-525-4743 | onpointcu.com |
| Columbia Credit Union | 360-619-3070 | columbiacu.org |
| Meadows Bank | 541-521-7881 | meadowsbank.bank |
| Gesa Credit Union | 833-322-1893 | gesa.com |
| 504 Lenders | ||
| Evergreen Business Cap. | 503-279-3184 | evergreen504.com |
| NWBDA | 541-228-5015 | nwbusiness.org |
| Cascade Capital | 503-990-6868 | cascadecapitalfunding.com |
| CCD | 541-756-4101 | ccdbusiness.org |
| TMC | 925-786-7777 | tmcfinancing.com |
| Microlenders | ||
| Micro Enterprise Services of Oregon (MESO) | 503-841-3351 | mesopdx.org |
| OAME | 503-249-7744 | oame.org |
| Business Impact NW | 503-210-5649 | businessimpactnw.org |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Oregon?
A: SBA loans are government-backed loans provided through approved lenders in Oregon. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Oregon small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Oregon entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Oregon businesses?
A: Oregon businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Oregon?
A: To qualify for an SBA loan in Oregon, businesses typically need:
- For-profit operation based in Oregon
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do Oregon SBA lenders support businesses in the technology and software development sectors?
A: Oregon’s thriving tech ecosystem has created specialized SBA lending expertise in these sectors. Several Oregon lenders have developed industry-specific loan packages designed for software developers, hardware manufacturers, clean technology innovators, and digital service providers. These lenders understand the unique capital needs, growth trajectories, and intellectual property considerations of technology businesses and can structure loans accordingly. Some Oregon SBA lenders coordinate with organizations like the Technology Association of Oregon, Oregon BEST (Built Environment and Sustainable Technologies Center), and regional accelerators like the Portland Seed Fund to provide comprehensive support. These specialized lending programs have helped strengthen Oregon’s technology ecosystem by financing businesses that complement major employers like Intel and established software companies, with particular attention to companies scaling beyond startup phase that need growth capital. From Portland’s vibrant Silicon Forest to emerging tech clusters in Bend and Eugene, these lenders provide crucial capital that helps entrepreneurs navigate the transition from early-stage funding to sustainable growth while creating high-skill employment opportunities throughout the state’s innovation corridors.
Q: Are there special SBA loan programs for Oregon’s sustainable business and clean technology sectors?
A: Yes, Oregon’s environmental leadership has influenced local SBA lending practices. Several Oregon lenders offer tailored loan packages for renewable energy developers, green building contractors, sustainable product manufacturers, and environmental service providers. These lenders understand the unique business models and growth trajectories of sustainability-focused companies and can structure loans accordingly. Some Oregon SBA lenders coordinate with organizations like Oregon Environmental Council, Sustainable Northwest, and Energy Trust of Oregon to help businesses access both financing and technical assistance. These specialized lending programs have helped strengthen Oregon’s position as a hub for sustainable business by financing companies that develop innovative environmental solutions while creating economic value. From solar installers in Southern Oregon to green building materials manufacturers in Portland to water technology developers in Bend, these lenders have developed expertise in helping sustainability entrepreneurs scale their operations while maintaining their environmental values. As climate concerns continue driving demand for sustainable products and services, these lenders provide crucial capital that helps Oregon businesses lead the transition to a more environmentally responsible economy.
Q: How do Oregon SBA lenders help businesses in the food, beverage, and agricultural sectors?
A: Oregon’s renowned food culture has created specialized lending expertise for culinary businesses. Several Oregon SBA lenders offer industry-specific loan packages designed for food producers, craft beverage makers, specialty farmers, food processors, and restaurants showcasing Oregon’s bounty. These lenders understand the seasonal nature of agriculture and food production and can structure loans with flexible payment schedules aligned with production cycles. Some Oregon lenders coordinate with organizations like the Oregon Department of Agriculture, Oregon Food Innovation Network, and regional food hubs to provide comprehensive support. These specialized lending programs have helped strengthen Oregon’s food economy by financing innovative businesses that add value to the state’s diverse agricultural products – from Willamette Valley wine to Eastern Oregon wheat to coastal seafood. From craft breweries in Portland to artisan cheese makers in Tillamook to specialty food manufacturers in the Rogue Valley, these lenders have developed expertise in financing food businesses that showcase Oregon’s distinctive terroir while creating sustainable business models that connect producers with premium markets locally and globally.
Q: Can outdoor recreation, tourism, and hospitality businesses in Oregon access specialized SBA financing?
A: Yes, Oregon’s natural beauty and tourism appeal benefit from specialized SBA lending expertise. Several Oregon lenders offer tailored loan packages for outdoor gear manufacturers, tour operators, lodging properties, restaurants, and recreation service providers from the Oregon Coast to the Cascade Mountains to the high desert. These lenders understand the seasonal nature of tourism in many parts of Oregon and can structure loans with flexible payment schedules aligned with visitor patterns. Some Oregon SBA lenders coordinate with organizations like Travel Oregon, the Oregon Restaurant & Lodging Association, and regional destination marketing organizations to provide comprehensive support. These specialized programs have supported Oregon’s position as a premier outdoor destination by financing businesses that enhance visitor experiences throughout the state’s diverse landscapes. From boutique hotels in Portland to mountain bike outfitters in Bend to coastal restaurants in Astoria, these lenders have developed expertise in financing hospitality concepts that showcase Oregon’s distinctive character while creating significant employment opportunities in communities that rely on visitor spending. As experiential tourism continues growing, these lenders provide crucial capital that helps entrepreneurs develop compelling offerings that attract visitors while maintaining Oregon’s commitment to sustainable tourism practices.
Q: How do Oregon SBA lenders support businesses in the forest products and wood manufacturing sectors?
A: Oregon’s forest heritage has created specialized lending expertise for wood-based businesses. Several Oregon SBA lenders offer industry-specific loan packages designed for sustainable forestry operations, wood products manufacturers, custom furniture makers, and innovative mass timber developers. These lenders understand the unique challenges and opportunities in forest-related industries and can structure loans accordingly. Some Oregon lenders coordinate with organizations like the Oregon Forest Resources Institute, Business Oregon’s Wood Products Working Group, and Oregon State University’s Wood Innovation Center to provide comprehensive support. These specialized lending programs have helped strengthen Oregon’s forest economy by financing businesses that are adding value to the state’s timber resources through innovative products and sustainable practices. From mass timber manufacturers in rural communities to high-end furniture makers in Portland to specialized wood component producers throughout the state, these lenders help finance diverse wood-based enterprises that connect Oregon’s forest heritage with contemporary market opportunities. As sustainable forestry and innovative wood products gain momentum globally, these lenders provide crucial capital that helps Oregon businesses lead the evolution of forest-based industries while creating economic opportunities in timber-dependent communities.
Q: How do Oregon SBA lenders support minority-owned businesses and entrepreneurs in underserved communities?
A: Oregon’s commitment to equity has led to specialized lending approaches for businesses in historically underserved communities. Several Oregon SBA lenders have developed programs specifically focused on expanding capital access for entrepreneurs of color throughout the state. These lenders often coordinate with organizations like the Oregon Association of Minority Entrepreneurs, Micro Enterprise Services of Oregon, and culturally-specific chambers of commerce to provide culturally responsive support. Some Oregon lenders participate in the SBA Community Advantage program and other initiatives specifically designed to increase lending in underserved markets. These specialized lending programs align with Oregon’s equity goals by providing targeted outreach, technical assistance, and financing structures that address the specific challenges minority entrepreneurs may face. From neighborhood-serving businesses in Portland’s diverse eastside to innovative startups founded by entrepreneurs of color to manufacturing enterprises in rural communities, these lenders help finance diverse business ventures that strengthen local economies while creating pathways to wealth creation in communities that have historically faced barriers to capital access.
Q: Are there specialized SBA loan programs for Oregon’s maritime and coastal businesses?
A: Yes, Oregon’s 363-mile coastline has influenced local SBA lending practices. Several Oregon SBA lenders have developed expertise in financing seafood processors, fishing operations, marine service providers, coastal tourism businesses, and port-related enterprises. These lenders understand the unique regulatory considerations, seasonal patterns, and environmental factors that affect coastal businesses and can structure loans accordingly. Some Oregon lenders coordinate with organizations like Oregon Sea Grant, coastal port authorities, and the Oregon Coastal Zone Management Association to provide comprehensive support. These specialized lending programs have helped strengthen Oregon’s coastal economies by financing businesses that sustainably utilize marine resources while creating year-round employment opportunities in communities that have traditionally faced seasonal economic fluctuations. From innovative seafood processors in Astoria to marine technology developers in Newport to tourism businesses throughout the coast, these lenders help finance enterprises that balance economic development with coastal conservation. As climate change and ocean conditions continue affecting traditional fishing industries, these lenders provide crucial capital that helps coastal businesses adapt and diversify while maintaining their connection to Oregon’s maritime heritage.
Q: How do Oregon SBA lenders support businesses in the healthcare and wellness sectors?
A: Oregon’s leadership in healthcare innovation has created specialized lending expertise for health-related businesses. Several Oregon lenders offer tailored loan packages for medical practices, mental health providers, alternative medicine practitioners, senior care facilities, and health technology developers. These lenders understand the unique regulatory considerations, capital needs, and growth trajectories of healthcare businesses and can structure loans accordingly. Some Oregon SBA lenders coordinate with organizations like the Oregon Health & Science University’s innovation programs, the Oregon Bioscience Association, and regional healthcare collaboratives to provide comprehensive support. These specialized lending programs have helped strengthen Oregon’s healthcare ecosystem by financing diverse providers that improve access to care throughout the state – from urban centers to rural communities. From integrative medicine clinics in Portland to rural healthcare practices in Eastern Oregon to senior living innovations in the Willamette Valley, these lenders have developed expertise in helping healthcare entrepreneurs navigate the complex healthcare landscape while developing sustainable business models that address Oregon’s health priorities. As healthcare continues evolving toward more personalized and preventive approaches, these lenders provide crucial capital that helps Oregon businesses lead these innovations.
Q: How do Oregon SBA lenders support businesses in the creative industries and artisan manufacturing sectors?
A: Oregon’s vibrant maker culture has created specialized lending expertise for creative businesses. Several Oregon lenders offer industry-specific loan packages designed for artisan manufacturers, design studios, creative service providers, craft producers, and arts organizations. These lenders understand the unique business models and growth patterns of creative enterprises and can structure loans accordingly. Some Oregon SBA lenders coordinate with organizations like Design Portland, Built Oregon, and the Oregon Arts Commission to provide comprehensive support. These specialized lending programs have helped strengthen Oregon’s creative economy by financing businesses that blend artistic vision with sustainable business practices. From handcrafted furniture makers in Portland to ceramic studios in the Willamette Valley to textile artists in Southern Oregon, these lenders help finance diverse creative enterprises that contribute to Oregon’s reputation for quality craftsmanship and innovative design. As consumer interest in authentic, locally-made products continues growing, these lenders provide crucial capital that helps creative entrepreneurs scale their operations while maintaining their commitment to quality and originality. This support has helped Oregon develop distinctive creative clusters that attract talent, visitors, and investment while creating meaningful employment opportunities that blend artistic fulfillment with economic sustainability.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.