USDA Business Loans in Oregon
Browse 4 lenders offering usda business loans in Oregon. Compare rates, requirements, and loan programs — then connect directly.
Who are the 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.
How do usda business loans work in Oregon?
USDA Business & Industry (B&I) loans are lender-made, government-guaranteed loans for businesses in eligible rural areas. They can cover real estate, equipment, business acquisition, and working capital, with terms tied to use of proceeds and underwriting that looks a lot like a bank loan plus USDA eligibility. In Oregon, 4 lenders currently offer USDA financing with loan amounts from $50K to $10M and rates typically ranging from Fixed or variable, negotiated with lender.
What does the Oregon market look like?
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 owner-user businesses
- Food processing and manufacturing
- Business acquisition in eligible rural areas
- Equipment, real estate, and working capital needs
What are the key requirements?
- Project generally in an eligible rural area outside cities or towns above 50,000
- Tangible balance sheet equity typically at least 10% existing / 20% new business
- Good credit history and repayment ability
- Collateral and lender support strong enough for a USDA guarantee
What are the pros and cons?
Advantages
- ✓FY2026 guarantee up to 85% on loans under $5M
- ✓Long terms, up to 30 years on real estate
- ✓Can cover real estate, equipment, acquisition, and working capital
- ✓Rates are negotiated with the lender, not set by USDA
Considerations
- •Project must be in an eligible rural area
- •No lines of credit or rental housing
- •Full lender underwriting plus USDA review
- •Smaller lender pool than SBA
Frequently asked questions about usda business loans
What qualifies as a rural area for USDA loans? ▼
Can USDA Business & Industry loans be used for working capital? ▼
What is the USDA guarantee percentage in 2026? ▼
How long can a USDA business loan term run? ▼
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