USDA Business Loans in Oregon
Browse 4 lenders offering usda business loans in Oregon. Compare rates, requirements, and loan programs — then connect directly.
USDA Lenders in Oregon
4 lenders offering usda business loans to borrowers in Oregon.
Live Oak Banking Company
WILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
Celtic Bank Corporation
SALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Banner Bank
WALLA WALLA, WA
Pacific Northwest regional bank headquartered in Walla Walla, Washington. Offers SBA 7(a) loans, commercial real estate, agricultural lending, and business banking across Washington, Oregon, Idaho, and California.
FFB Bank
FRESNO, CA
Fresno, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves California's Central Valley and beyond.
About USDA Business Loans in Oregon
USDA Business & Industry (B&I) loans provide government-guaranteed financing for rural businesses. Similar to SBA loans but for rural areas, they offer competitive terms for business acquisition, real estate, equipment, and working capital in communities with populations under 50,000. In Oregon, 4 lenders currently offer USDA financing with loan amounts from $50K to $25M and rates typically ranging from Variable or fixed, competitive.
Oregon Market Overview
Oregon's economy is driven by its technology sector, particularly in the Portland metro area's Silicon Forest, along with a strong creative economy and sustainable industries. The state has no sales tax, enhancing consumer spending and retail activity.
Oregon has no state sales tax, which benefits retail-oriented CRE by boosting consumer spending, and cross-border shopping from Washington state supports commercial properties near the Columbia River border. Portland's Urban Growth Boundary restricts outward commercial development, creating supply constraints that support property values within the boundary but complicate suburban expansion. Oregon's inclusionary zoning requirements in the Portland metro and the state's mandatory seismic retrofit ordinances for unreinforced masonry buildings create additional cost considerations for CRE investors in older commercial properties.
Who Should Consider USDA Business Loans?
- Rural businesses
- Agricultural operations
- Rural real estate
- Businesses in towns under 50,000 population
Key Requirements
- Business in area with population <50,000
- For-profit or nonprofit
- Unable to get credit elsewhere
- Sufficient cash flow
Pros and Cons
Advantages
- ✓Up to 80% government guarantee
- ✓Long terms available
- ✓Competitive rates
- ✓Flexible use of funds
Considerations
- •Must be in eligible rural area
- •Lengthy approval process
- •Extensive documentation
- •Limited lender availability
USDA Business Loans FAQ
What qualifies as a 'rural area' for USDA loans? ▼
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