Albany: the size of the record

SBA approved 192 loans in Albany from FY2017 to FY2026, $113.8 million in gross dollars. 318 of 928 is the Albany place when areas are ordered by loans. Albany loans center on $150,000, the median. For Albany, the middle half lies at $35,000 to $560,250. Set beside the nation, Albany stands at 0.72x. Program mix for Albany: 173 7(a), 19 504. Albany shows a franchise share of 8.3%. Albany dollars add to $113.8 million.

Albany: classes and counties

163 loans in Albany fit no class, so Albany class patterns say less. Albany consists of Linn County, OR, where SBA places 192 loans.

Albany: lenders in the record

Albany holders are not always Albany originators. Albany lists, for 7(a), 18 loans at KeyBank National Association ($6.5 million) and 13 loans at Wells Fargo Bank National Association ($4.0 million). Albany 504 holders include 8 loans at Evergreen Business Capital ($7.8 million) and 6 loans at Cascade Capital Funding ($3.6 million). Albany rows serve a borrower as background. The Albany rows are silent on holder terms.

Albany: floors, and what is withheld

11.5% is the Albany cancellation floor for FY2017 to FY2024 approvals. Albany withholds a ceiling: Albany loans are too few. No Albany charge-off rate prints. The Albany cohort is below the minimum. Read Albany as neither zero nor clean. Albany rates are floors. Loans season, and Albany events can still raise them. Each Albany loan is placed by county name. Albany follows the July 2023 delineation. Albany omits loans with no county match. Albany totals hold untracked-class loans too.

Albany: what a study has to test

Albany approvals were thinnest in FY2017 (12 loans, $9.1 million) and heaviest in FY2025 (32 loans, $10.5 million). The latest year, FY2026, shows 30 loans and $19.8 million for Albany. In Albany, demand testing starts with Linn County, OR and the businesses already serving it. Albany costs sit beside a $150,000 median. Albany stands at 0.72x nationally. Albany coverage is stressed with slower ramp-up. Albany reviewers will weigh the floors above. Albany value is tested against cost by appraisal. Albany comparables decide how. Sources and uses in Albany must tie to bids near Linn County, OR. Beside Linn County, OR findings, the Albany study lists what it could not test.

SBA loans in the Albany, OR Metro Area

Loans approved, FY2017 to FY2026	192
Gross dollars approved	$113.8 million
Median loan	$150,000
Middle half of loans, from	$35,000
Middle half of loans, to	$560,250
SBA 7(a) loans	173
SBA 504 loans	19
Franchise share of loans	8.3%
Rank among metro and micro areas by loans	318 of 928
Median loan against the national median	0.72x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	11.5%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA loans approved in the Albany, OR Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	12	$9.1 million
FY2018	14	$2.6 million
FY2019	15	$5.8 million
FY2020	12	$7.9 million
FY2021	13	$19.4 million
FY2022	16	$11.1 million
FY2023	26	$13.9 million
FY2024	22	$13.7 million
FY2025	32	$10.5 million
FY2026	30	$19.8 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	163

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Evergreen Business Capital	8	$7.8 million
Cascade Capital Funding	6	$3.6 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Columbia Bank (OR)	33	$3.9 million
U.S. Bank, National Association	24	$7.9 million
KeyBank National Association	18	$6.5 million
Wells Fargo Bank National Association	13	$4.0 million
Live Oak Banking Company	11	$18.2 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Linn County, OR	192

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-10540.

Related feasibility study pages

Worked examples

Worked Example: USDA B&I Gas Station Feasibility Study in Oregon

A worked example of the feasibility study a lender would read for a gas station project in Oregon, financed with a USDA Business and Industry guaranteed loan.

State: Oregon · Asset: Gas station · Program: USDA Business and Industry

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Albany, OR Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Feasibility Study Data for the Albany, OR Metro Area