Best SBA Lenders in Eugene, OR (2026)
2025 FOIA data: top lenders, rates & industries for Eugene SBA loans
SBA Loans in Eugene, Oregon
Looking for an SBA loan in Eugene, Oregon? Based on 2025 FOIA data, 49 SBA 7(a) loans were funded in Eugene totaling $26.4M, supporting an estimated 287 jobs. With 19 active lenders competing for business in the Eugene market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Eugene is $540K at an average rate of 10.84%. The top lender in Eugene is LendingClub Bank, National Association, with the most-funded industry being Supermarkets and Other Grocery (except Convenience) Stores. See all Oregon SBA lenders for statewide rankings.
SBA Loans in Eugene by Business Type
Whether you’re starting a new business in Eugene, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 9% of SBA loans in Eugene (4 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 20% (4 loans) — if you’re looking to buy a business in Eugene, this is a proven use case for SBA financing. Existing businesses make up 35% and typically receive the most favorable terms.
Top SBA Lenders in Eugene, OR (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Eugene businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | LendingClub Bank, National Association | $5.0M | 2 | 8.88% |
| 2 | Readycap Lending, LLC | $4.1M | 2 | 11.5% |
| 3 | U.S. Bank, National Association | $3.9M | 3 | 7.96% |
| 4 | Live Oak Banking Company | $3.7M | 2 | 10.38% |
| 5 | Community Bank & Trust-West Georgia | $2.1M | 1 | 9.25% |
| 6 | KeyBank National Association | $1.5M | 2 | 9.38% |
| 7 | Washington Trust Bank | $776K | 2 | 7.5% |
| 8 | Leader Bank, National Association | $696K | 1 | 10% |
| 9 | United Midwest Savings Bank National Association | $675K | 1 | 10% |
| 10 | Newtek Bank, National Association | $650K | 2 | 10.25% |
The top lenders in Eugene have direct experience with local businesses and understand the Eugene 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 Eugene 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 Eugene
One 5-minute application. 19+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Eugene
These are the industries that received the most SBA 7(a) funding in Eugene 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 |
|---|---|---|
| Supermarkets and Other Grocery (except Convenience) Stores | 1 | $4.1M |
| Car Washes | 1 | $3.3M |
| All Other Amusement and Recreation Industries | 4 | $1.8M |
| Tax Preparation Services | 1 | $1.8M |
| Wholesale Trade Agents and Brokers | 2 | $776K |
| Limited-Service Restaurants | 1 | $696K |
| Insurance Agencies and Brokerages | 1 | $543K |
| Offices of Chiropractors | 1 | $500K |
| Janitorial Services | 1 | $496K |
| Taxi Service | 2 | $304K |
Lenders with experience funding your specific industry in Eugene 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 Eugene
Option 1: Apply directly to one of the top Eugene 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 Eugene-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.
