Small business loans in Eugene, OR
Short answer
The most active SBA lenders in Eugene, OR since FY2024 are Columbia Bank (24 loans) and U.S. Bank (21). The median loan was $100,000, and half fell between $49,250 and $377,000. For free help, see the Oregon Small Business Development Center Network. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 108
- approved since FY2024
- $43.83M
- median loan
- $100,000
- through SBA Express
- 50.9%
Lenders making SBA loans in Eugene
No lender made more than 22% of the loans in Eugene, and Columbia Bank made the most. The three largest lenders together made 48%.
| Lender | Loans | Share |
|---|---|---|
| Columbia Bank | 24 | 22.2% |
| U.S. Bank | 21 | 19.4% |
| Banner Bank | 7 | 6.5% |
Share is the percent of all Eugene loans in that period. Each name links to that lender's page for Oregon where one exists.
Eugene has three lenders with five or more loans since FY2024. Others had fewer, and the Oregon page counts 114 lenders with at least one approved loan statewide.
Ask lending partners about a loan in Eugene
Tell us what you need and we refer your request to lending partners.
Start my loan requestJanover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.
Local help near Eugene
Eugene borrowers can start with SBA's district offices for Oregon, an SBDC or SCORE.
28% of Eugene borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA runs two district offices that cover Oregon. Each page points to state and federal resources and to lenders in its area. The Oregon Small Business Development Center Network gives free counseling across Oregon.
- SBA Portland District OfficeSBA district office
- SBA Boise District OfficeSBA district office
- Oregon Small Business Development Center NetworkSmall Business Development Center
- SCORE mentors in OregonBusiness mentoring
Alongside SBA loans, Oregon runs four loan programs. The Oregon page describes each, and the official pages are linked here.
Loan counts and sizes in Eugene
Eugene ranks 4th by loans since FY2024 among the 7 Oregon cities with 100 or more SBA loans since FY2020. Nationally it is the 191st busiest of the 580 cities that reach 100 loans.
The 108 loans, 4.0% of the 2,673 in Oregon, were approved for $43.8 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $100,000, 33% below the national median of $150,300. Half of the loans fell between $49,250 and $377,000. The Eugene median is 25% above the Oregon median of $80,000.
| Measure | Eugene | Oregon | U.S. |
|---|---|---|---|
| Loans | 108 | 2,673 | 162,355 |
| Median loan | $100,000 | $80,000 | $150,300 |
| 25th percentile | $49,250 | $50,000 | $50,000 |
| 75th percentile | $377,000 | $350,000 | $500,000 |
| Via SBA Express | 50.9% | 52.3% | 35.8% |
| Lines of credit | 40.7% | 43.4% | 28.1% |
| Startups | 6.5% | 7.7% | 16.1% |
| Ownership changes | 6.5% | 7.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 3.0 | 2.75 |
| Charged off | 8.2% | 2.9% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
84% of the loans were $500,000 or less, the size SBA Express covers. 50.9% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 40.7% of loans, above the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 64.8% of loans went to businesses more than two years old and 21.3% to businesses two years old or younger. Startups received 6.5% and changes of ownership 6.5%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 23% from FY2024 (35 loans) to FY2025 (43), the two latest full years. The busiest full year in the file was FY2025, with 43 loans. FY2026 already shows 30 loans through June 30.
Of the 98 loans Eugene borrowers received in FY2020 to FY2022, 8.2% were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. That group is small, so treat the rate as rough. Lenders reported 920 jobs supported across the 108 loans since FY2024, about 8.5 per loan. SBA does not audit these estimates.
What businesses in Eugene borrow for
All Other Amusement and Recreation Industries was the largest borrower group in Eugene, with 5 loans or 4.6% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| All Other Amusement and Recreation Industries | 5 | 4.6% | 0.9% |
Share is the percent of all Eugene loans in that period. Industry is the NAICS code on each loan. A name links to the Oregon page for that industry where one exists.
A typical loan payment in Eugene
The median Eugene loan was $100,000 with a median term of 10 years.
The median variable-rate loan in Eugene was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $100,000 over 10 years, principal and interest would come to about $1,308 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $49,250 | $644 |
| Median loan | $100,000 | $1,308 |
| 75th percentile loan | $377,000 | $4,930 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $100,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Eugene loans approved since FY2024 had a median starting rate of 10.5% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $100,000 loan and SBA Express payment calculator.
SBA 504 loans near Eugene
Eugene has 9 SBA 504 loans since FY2024, with $8.2 million in SBA and CDC dollars.
The median 504 loan in Eugene was $886,000 in SBA and CDC dollars, 18% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Evergreen Business Capital is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 13 since FY2020.
| Certified Development Company | 504 loans |
|---|---|
| Evergreen Business Capital | 13 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Oregon cities near Eugene
Eugene made up 4.0% of Oregon's SBA loans since FY2024.
Eugene is one of 7 Oregon cities with 100 or more SBA loans since FY2020. The Oregon page covers all 2,673 loans in Oregon. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Eugene
Which lenders make the most SBA loans in Eugene?
Columbia Bank leads with 24 loans in Eugene since FY2024. U.S. Bank (21) and Banner Bank (7) follow. Only lenders with five or more Eugene loans are counted.
Which industries get SBA loans in Eugene?
All Other Amusement and Recreation Industries leads with 5 loans in Eugene since FY2024.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Portland District Office
- SBA Boise District Office
- Oregon Small Business Development Center Network
- SCORE, Oregon
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
Download this page's data: JSON · CSV
Cite this page: Small business loans in Eugene, OR. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/oregon-small-business-loans/eugene/
Ask lending partners about a loan in Eugene
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.