Feasibility Study Data for the Eugene-Springfield, OR Metro Area

A single-county market with a wide spread of loan sizes

Eugene-Springfield is Lane County alone: all 804 placed loans belong to it. SBA approved them across FY2017 to FY2026 for $353.1 million gross, 120 of 928, with 732 under 7(a) and 72 under 504. Eugene has a median loan of $150,000. Eugene stands at 0.72x the national figure; in Eugene, half of loans run $25,775 to $496,650. The spread is unusually wide, so a very small loan and a near half-million-dollar loan are both ordinary here. Franchises account for 9.6% of loans.

Eugene's top named class is full-service restaurant, 28 loans. Gas station and truck stop follows at 22, ahead of automotive mechanical repair at 14, limited-service restaurant at 13 and hotel and motel at 12, and 609 loans sit outside the named classes. A strong gas-station showing in a mid-sized market means fuel margin, inside sales and environmental condition need testing alongside the real estate. Count was 73 loans and $36.6 million in FY2017, dipped to 63 loans and $25.2 million in FY2023, peaked at 109 loans and $61.0 million in FY2025, and finished at 86 loans and $38.4 million in FY2026.

Holders of the Eugene-Springfield loans

Under 7(a), SBA lists Columbia Bank (OR) with 174 loans and $20.0 million, U.S. Bank, National Association with 118 loans and $24.2 million, and Banner Bank with 67 loans and $14.2 million. In Eugene, Evergreen Business Capital holds 38 loans and $21.8 million on 504 and C.C.D. Business Development Corporation 12 loans and $4.1 million. Eugene lists rest on SBA's holder records. Eugene names hold or held these loans. Eugene counts are volume, and Eugene counts promise no lender requirement.

Eugene floors, and the study to order

In Eugene, cancellations ran at least 9.5%. That covers Eugene approvals FY2017 to FY2024. Eugene's ceiling is withheld, as Eugene lacks loans to support one. In Eugene, 355 funded loans show charge-offs. Eugene floors them at 4.8% or more. Eugene has 3.4% within five years. Eugene floors rise if open Eugene loans go bad. Counties build Eugene. By name, Eugene matches each project's county; Eugene follows the July 2023 delineation. Eugene drops loans with unplaceable counties, and Eugene counts approvals outside named classes. For Eugene-Springfield, a study should test site demand and cost, debt service on modest revenue, and Lane County sales behind the appraisal, and for the lead restaurant class should include sales per seat and occupancy cost. Daniel Smith, MAI, names each Eugene study. Eugene studies are prepared by Loan Analytics.