A page with the cancellation rate withheld

Grants Pass, all Josephine County, has its cancellation rate withheld on this page, and so is its charge-off rate; neither is a zero. Grants Pass stands apart on cancellations; Grants Pass clears our distinctness margin. SBA approved 111 loans across FY2017 to FY2026, $52.4 million gross, rank 448 of 928; 101 are 7(a) and 10 are 504. Grants Pass loans center on $171,100. Grants Pass sits at 0.82x of the national figure. Grants Pass: half of loans span $50,000 to $601,450. Brands hold 15.3% of the count.

Just limited-service restaurant, 8 loans, appears among Grants Pass classes, against 73 loans outside them. Count climbed from 6 loans and $1.5 million in FY2017, the low, to 18 loans and $3.5 million in FY2025 and 15 loans and $7.3 million in FY2026, the largest dollar year. A Grants Pass limited-service study should look at counter and drive-through traffic, what delivery platforms take, and whether royalties plus rent leave enough to service the loan.

Grants Pass lenders

U.S. Bank, National Association holds 15 loans and $3.0 million under 7(a), Banner Bank 13 loans and $2.3 million and Columbia Bank (OR) 10 loans and $1.4 million. No 504 name is listed. Grants Pass holders are in SBA's records. Grants Pass: each name holds or held loans. Grants Pass counts describe volume, not lender practice, and Grants Pass counts state no requirement.

Grants Pass limits, and the study

The Grants Pass cancellation rate is withheld; Grants Pass lacks loans to back one; Grants Pass is not zero. Grants Pass reports no charge-off rate. Too few Grants Pass loans back one; Grants Pass is not a zero. Open Grants Pass loans may raise every Grants Pass floor. Grants Pass is a county roll-up. Grants Pass applies the July 2023 delineation. Grants Pass matches each county by name. Grants Pass omits loans whose counties fail to place. Grants Pass still counts approvals outside named classes. Grants Pass work should treat missing rates as unknown, not clean, and should rest on site demand, cost, debt service and Josephine County sales. Loan Analytics prepares Grants Pass studies. Daniel Smith, MAI, signs each Grants Pass study.

SBA loans in the Grants Pass, OR Metro Area

Loans approved, FY2017 to FY2026	111
Gross dollars approved	$52.4 million
Median loan	$171,100
Middle half of loans, from	$50,000
Middle half of loans, to	$601,450
SBA 7(a) loans	101
SBA 504 loans	10
Franchise share of loans	15.3%
Rank among metro and micro areas by loans	448 of 928
Median loan against the national median	0.82x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	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 Grants Pass, OR Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	6	$1.5 million
FY2018	10	$2.7 million
FY2019	7	$1.6 million
FY2020	12	$10.9 million
FY2021	13	$11.6 million
FY2022	12	$7.2 million
FY2023	9	$4.5 million
FY2024	9	$1.8 million
FY2025	18	$3.5 million
FY2026	15	$7.3 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	73
Limited-service restaurant	8

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

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
U.S. Bank, National Association	15	$3.0 million
Banner Bank	13	$2.3 million
Columbia Bank (OR)	10	$1.4 million
Wells Fargo Bank National Association	6	$5.0 million
Peoples Bank of Commerce	6	$1.7 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
Josephine County, OR	111

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-24420.

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 Grants Pass, 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 Grants Pass, OR Metro Area