Best SBA Lenders in Bend, OR (2026)
2025 FOIA data: top lenders, rates & industries for Bend SBA loans
SBA Loans in Bend, Oregon
Looking for an SBA loan in Bend, Oregon? Based on 2025 FOIA data, 69 SBA 7(a) loans were funded in Bend totaling $23.1M, supporting an estimated 482 jobs. With 23 active lenders competing for business in the Bend market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Bend is $335K at an average rate of 10.44%. The top lender in Bend is Live Oak Banking Company, with the most-funded industry being Sports and Recreation Instruction. See all Oregon SBA lenders for statewide rankings.
SBA Loans in Bend by Business Type
Whether you’re starting a new business in Bend, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 29% of SBA loans in Bend (11 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 20% (10 loans) — if you’re looking to buy a business in Bend, this is a proven use case for SBA financing. Existing businesses make up 29% and typically receive the most favorable terms.
Top SBA Lenders in Bend, OR (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Bend businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $4.8M | 1 | 8.25% |
| 2 | Washington Trust Bank | $2.1M | 6 | 9.58% |
| 3 | U.S. Bank, National Association | $2.1M | 7 | 9.38% |
| 4 | First Interstate Bank | $1.9M | 10 | 9.88% |
| 5 | The Huntington National Bank | $1.5M | 2 | 8.5% |
| 6 | Northeast Bank | $1.4M | 6 | 10.29% |
| 7 | JPMorgan Chase Bank, National Association | $906K | 2 | 9.88% |
| 8 | Cadence Bank | $850K | 2 | 10.5% |
| 9 | Byline Bank | $820K | 3 | 11.33% |
| 10 | Wells Fargo Bank National Association | $780K | 3 | 9.85% |
The top lenders in Bend have direct experience with local businesses and understand the Bend market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Bend and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Bend
One 5-minute application. 23+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Bend
These are the industries that received the most SBA 7(a) funding in Bend in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Sports and Recreation Instruction | 2 | $4.9M |
| Full-Service Restaurants | 4 | $2.1M |
| Roofing Contractors | 2 | $1.5M |
| Offices of Chiropractors | 2 | $1.0M |
| Offices of Dentists | 2 | $857K |
| Offices of All Other Miscellaneous Health Practitioners | 2 | $848K |
| Insurance Agencies and Brokerages | 2 | $685K |
| All Other Miscellaneous Wood Product Manufacturing | 2 | $639K |
| RV (Recreational Vehicle) Parks and Campgrounds | 1 | $636K |
| Residential Property Managers | 2 | $602K |
Lenders with experience funding your specific industry in Bend understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Bend
Option 1: Apply directly to one of the top Bend lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Bend-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
