# 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.

Canonical page: https://www.sbaexpress.loans/oregon-small-business-loans/eugene/
Data as of: 2026-06-30

## 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%.

**Lenders with five or more SBA loans in Eugene, OR, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [Columbia Bank](https://www.sbaexpress.loans/sba-express-lenders/columbia-bank/oregon/) | 24 | 22.2% |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 21 | 19.4% |
| [Banner Bank](https://www.sbaexpress.loans/sba-express-lenders/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.

## 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 Office: SBA district office](https://www.sba.gov/district/portland)
- [SBA Boise District Office: SBA district office](https://www.sba.gov/district/boise)
- [Oregon Small Business Development Center Network: Small Business Development Center](https://oregonsbdc.org/)
- [SCORE mentors in Oregon: Business mentoring](https://www.score.org/or/)

Alongside SBA loans, Oregon runs four loan programs. The [Oregon page](https://www.sbaexpress.loans/oregon-small-business-loans/#loan-programs-in-oregon) describes each, and the official pages are linked here.

- [Credit Enhancement Fund (CEF)](https://www.oregon.gov/biz/programs/CEF/Pages/default.aspx)
- [Entrepreneurial Development Loan Fund (EDLF)](https://www.oregon.gov/biz/programs/EDLF/Pages/default.aspx)
- [Oregon Business Development Fund (OBDF)](https://www.oregon.gov/biz/programs/OBDF/Pages/default.aspx)
- [Capital Access Program (CAP)](https://www.oregon.gov/biz/programs/CAP/Pages/default.aspx)

## 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 median 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.

**Eugene, OR compared with Oregon and the nation, loans from FY2024 to June 2026**

| 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%.

SBA loans in Eugene, OR by size, FY2024 to June 2026

- $50,000 or less (43%): 46
- $50,001 to $150,000 (19%): 20
- $150,001 to $350,000 (12%): 13
- $350,001 to $500,000 (11%): 12
- $500,001 to $1,000,000 (7%): 8
- $1,000,001 to $2,000,000: Fewer than 5
- Over $2,000,000 (5%): 5

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%.

SBA loans in Eugene, OR by fiscal year

- FY2020: 39
- FY2021: 34
- FY2022: 25
- FY2023: 34
- FY2024: 35
- FY2025: 43
- FY2026 (through June 30): 30

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 off 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.

**Industries with the most SBA loans in Eugene, OR, FY2024 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [All Other Amusement and Recreation Industries](https://www.sbaexpress.loans/industries/all-other-amusement-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.

**Payment at today's rate on three Eugene loan sizes over 10 years**

| 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](https://www.sbaexpress.loans/loan-amounts/100000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/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 Company (CDC) named on five or more loans, 13 since FY2020.

**CDCs named on five or more 504 loans in Eugene, FY2020 to June 2026**

| 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 capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/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](https://www.sbaexpress.loans/oregon-small-business-loans/) covers all 2,673 loans in Oregon. The closest come first, ranked by county and ZIP code on their loans.

- [Salem: 116 loans, median $62,650](https://www.sbaexpress.loans/oregon-small-business-loans/salem/)
- [Medford: 62 loans, median $50,000](https://www.sbaexpress.loans/oregon-small-business-loans/medford/)
- [Portland: 547 loans, median $150,000](https://www.sbaexpress.loans/oregon-small-business-loans/portland/)
- [Hillsboro: 72 loans, median $187,250](https://www.sbaexpress.loans/oregon-small-business-loans/hillsboro/)
- [Bend: 139 loans, median $100,000](https://www.sbaexpress.loans/oregon-small-business-loans/bend/)
- [Beaverton: 106 loans, median $150,000](https://www.sbaexpress.loans/oregon-small-business-loans/beaverton/)

## 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](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA Portland District Office](https://www.sba.gov/district/portland)
- [SBA Boise District Office](https://www.sba.gov/district/boise)
- [Oregon Small Business Development Center Network](https://oregonsbdc.org/)
- [SCORE, Oregon](https://www.score.org/or/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)