Fitness Center Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
What SBA's own loan files show about fitness center lending in the Portland-Vancouver-Hillsboro, OR-WA Metro Area, and what a feasibility study for a project there has to test.
Portland: fitness center
Portland approved fitness center loans: 93 in FY2017 to FY2026, worth $42.4 million. Portland ranks 33 of 608 for the class on 93 loans among metro areas; in Portland, the class ranks 4 of 39. Portland's location quotient reads 0.79x on 93 loans: a lighter concentration. In Portland, ranks and the 0.79x quotient, from 93 loans, distinguish the class; Portland size is 0.93x the national median.
$241,800 marks the median of 93 loans, below the national figure (0.93x), and $90,000 to $538,000 bounds Portland's middle half. Portland program split: withheld, not zero. 40.9% is the franchise share of 93 loans; the rest are independents.
Portland's 7(a) table, 13 loans at KeyBank National Association, $6.2 million; 13 at Columbia Bank (OR), $782,000; 10 at Wells Fargo Bank National Association, $2.8 million; 7 at U.S. Bank, National Association, $3.4 million; 6 at The Huntington National Bank, $1.1 million. Portland: holders under 5 loans go unnamed. Portland county counts, 93 loans: Multnomah County, OR 29; Clark County, WA 23; Washington County, OR 21; Clackamas County, OR 20.
The Portland loans' fate
13.8% at minimum: Portland's cancelled share through FY2024, counting Portland's undisbursed loans: 13.8%. Portland charge-offs: too few, not zero. Portland floors may rise with open loans. Portland approvals ran from 7 loans and $1.7 million in FY2017 to 12 loans and $5.6 million in FY2026, peaking at 16 in FY2025 and dipping to 7 in FY2017. Portland loans per year: FY2017 7, FY2018 8, FY2019 14, FY2022 8, FY2023 8, FY2024 11, FY2025 16, FY2026 12. Yearly dollars: FY2017 $1.7 million, FY2018 $1.3 million, FY2019 $3.9 million, FY2022 $2.8 million, FY2023 $6.6 million, FY2024 $4.7 million, FY2025 $10.8 million, FY2026 $5.6 million. Withheld Portland years are not zero.
Portland: the study's tests
Across 93 loans, membership retention in Portland carries $241,800. Portland: facing weak signups, debt service holds with $42.4 million approved. For 93 loans in Portland, buildout costs outside $90,000 to $538,000 need cases. For 93 approvals in Portland, appraisers weigh lease and membership. Portland saw approvals run from 7 in FY2017 to 16 in FY2025; for Portland, plan for slow signups. Portland's quotient, 0.79x: count rivals by price tier.
Portland's 93 loans are placed by project county. Portland follows the July 2023 delineation. Portland drops unplaceable counties from $42.4 million. Treat 93 loans as a guide to Portland, not a census.
SBA fitness center loans in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
| Loans approved, FY2017 to FY2026 | 93 |
|---|---|
| Gross dollars approved | $42.4 million |
| Median loan | $241,800 |
| Middle half of loans, from | $90,000 |
| Middle half of loans, to | $538,000 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 40.9% |
| Rank among metro and micro areas for fitness center loans | 33 of 608 |
| Rank of fitness center among the classes in this area | 4 of 39 |
| Location quotient (share of loans against the national share) | 0.79x |
| Median loan against the national median for the class | 0.93x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 13.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 13.8% |
| 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 fitness center loans approved in the Portland-Vancouver-Hillsboro, OR-WA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 7 | $1.7 million |
| FY2018 | 8 | $1.3 million |
| FY2019 | 14 | $3.9 million |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 8 | $2.8 million |
| FY2023 | 8 | $6.6 million |
| FY2024 | 11 | $4.7 million |
| FY2025 | 16 | $10.8 million |
| FY2026 | 12 | $5.6 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| KeyBank National Association | 13 | $6.2 million |
| Columbia Bank (OR) | 13 | $782,000 |
| Wells Fargo Bank National Association | 10 | $2.8 million |
| U.S. Bank, National Association | 7 | $3.4 million |
| The Huntington National Bank | 6 | $1.1 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 |
|---|---|
| Multnomah County, OR | 29 |
| Clark County, WA | 23 |
| Washington County, OR | 21 |
| Clackamas County, OR | 20 |
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.
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 MA-38900-C33.
Related feasibility study pages
- Fitness center feasibility study consultant
- Feasibility Study Data for the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Fitness Center Feasibility Study in Oregon
- Fitness Center Feasibility Study in Washington
- Oregon feasibility study company
- Washington feasibility study company
- Feasibility Study Data by Metro Area
- SBA feasibility study consultant
- Fitness Center Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Fitness Center Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Fitness Center Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Fitness Center Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Fitness Center Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area
- Fitness Center Feasibility Study in the Boston-Cambridge-Newton, MA-NH Metro Area
- Restaurant Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Quick Service Restaurant Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Auto Repair Shop Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Coffee Shop Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Brewery, Winery and Distillery Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Child Care Center Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
Loan Analytics prepares the feasibility study a lender reads before it commits: for a fitness center project in the Portland-Vancouver-Hillsboro, OR-WA 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.
Request Scope & Timeline
Start with the data.
Contact Us