Feasibility Study Data for the Bend, OR Metro Area

The scale of lending near Bend

In Bend, the agency's approval files record 723 approvals from FY2017 to FY2026, worth $361.2 million of gross dollars. Bend lands against every metro and micro area, measured by loan count, number 133 of 928. Half of Bend loans, the middle ones, runs from $50,000 to $610,450, around a median of $235,000; so the median stands at 1.13x the nationwide median. In Bend, SBA 7(a) carries 638 loans, and 85 by way of SBA 504. Besides, franchises make up 8.2% of the record.

Bend: who and where

Inside the classes we show for Bend, full-service restaurant comes first with 29 loans, trailed by limited-service restaurant, 23 loans and fitness center with 22. Also 568 loans in Bend sit outside every class. On the map, Deschutes County, OR holds 644 loans, followed by Crook County, OR (45) and Jefferson County, OR (34).

Bend: who holds loans

Institutions shown for Bend stem from SBA's public Bend records of the 723 guaranteed loans in Bend, carried at present or before; those records assign each file yet reveal nothing about lender appetite. Notably, for 7(a) lending in Bend, the biggest holders are U.S. Bank, National Association, with 125 loans for $26.9 million, followed by Columbia Bank (OR), holding 81 loans worth $21.3 million. Next, under 504 in Bend, SBA names Evergreen Business Capital at 60 loans and $54.1 million, ahead of Northwest Business Development Association at 13 loans and $10.1 million. The holder rows give background only, so the Bend study should be built around what the borrower's own lender asks to see.

Bend: what followed approval

Among Bend approvals from FY2017 through FY2024, not below 12.1% were cancelled after approval in Bend, a floor; the full Bend share can only be higher. Separately, among disbursed Bend loans approved from FY2017 through FY2021, 4.7% have ended in charge-off so far, a second floor; 2.3% were written off within five years, from a set of 298 loans. On the calendar, Bend reached its high in FY2025 at 106 loans and $45.7 million, and bottomed out in FY2023 at 51 loans and $30.1 million.

Bend: what a borrower checks

For Bend, begin with demand: who works in Deschutes County, OR, who lives in Crook County, OR, set against the rest of Bend, and whether the 29 full-service restaurant loans leave room. Budget: $235,000 is the Bend median and $50,000 to $610,450 the central range, so a Deschutes County, OR site must justify its budget against this $235,000 midpoint. Repayment: Bend repayment outlasts a soft year against the 12.1% cancellation floor and 4.7% floor for charge-off. The appraisal for Bend must support the figure lent against. Bend follows the July 2023 boundaries; an approval whose county entry has no match appears in none of any area, Bend among them, though the totals retain loans not in any named class.