Feasibility Study Data for the Portland-Vancouver-Hillsboro, OR-WA Metro Area

Portland-Vancouver-Hillsboro, OR-WA: volume and loan size, median $207,600

Portland stands 23 of 928 by loans, drawing 6,061 SBA approvals over FY2017 to FY2026, $3.43 billion gross. The Portland median loan is $207,600, 1.00x the national median. That makes Portland an average-ticket market. In Portland, the middle half of in Portland loans runs from $50,000 to $669,100. Lenders working Portland see tickets from $50,000 to $669,100 most often. A Portland study should place its in Portland project inside that $50,000 to $669,100 range in Portland.

In Portland, SBA 7(a) carries 5,622 loans and SBA 504 carries 439. In Portland, franchise brands account for 8.3% of the loans. In Portland, leading classes: full-service restaurant with 304, limited-service restaurant with 158 and automotive mechanical repair with 104. Another 4,636 approvals fall in no named class, so Portland totals 6,061 loans, more than its classes combined. In Portland, the counties carrying most volume are Multnomah County, OR with 2,069, Washington County, OR with 1,297 and Clark County, WA with 1,192. A state line crosses Portland. Rules differ by side in Portland. Name the state behind each Portland input.

Portland: holders of SBA loans in Portland-Vancouver-Hillsboro, OR-WA

In Portland, holder lines build on what SBA reports in Portland on loans a lender holds or held in Portland, as current holder in Portland, and claim nothing about requirements. Portland holders should be read that way in Portland. Heading the Portland SBA 7(a) list in Portland: Columbia Bank (OR) with 932 loans worth $274.8 million; U.S. Bank, National Association with 883 loans worth $163.8 million; KeyBank National Association with 397 loans worth $206.3 million. The Portland SBA 504 side shows Evergreen Business Capital with 184 loans worth $201.3 million; Northwest Business Development Association with 127 loans worth $142.7 million; Cascade Capital Funding with 66 loans worth $81.3 million. In Portland, concentration among top holders says little. A Portland study should stand on evidence alone in Portland.

Among Portland approvals of FY2017 to FY2024, 12.2% were cancelled after approval, a floor. A Portland ceiling, counting undisbursed loans as cancelled, is 13.0%. The cohort of 2,566 Portland loans disbursed FY2017 to FY2021 shows 4.3% charged off so far, a floor, and 2.5% within five years. Portland trend: the busiest year is FY2025, at 780 loans. Each loan lands in Portland by project county, found by name lookup against the July 2023 delineation, so some loan whose county has no match joins no area at all. The 6,061 loans in Portland-Vancouver-Hillsboro, OR-WA include those in Portland with no named class.

Portland: what a project study must test, per Portland-Vancouver-Hillsboro, OR-WA

Demand leads the Portland list. Map who lives and works near the actual site in Portland, not the metropolitan area in Portland, and keep the forecast cautious in Portland. Project cost follows in Portland. Loans near $207,600 are common, but the budget needs local bids, and contingency kept apart in Portland. Serviceability is the heart of Portland. Compute the ratio at the planned loan and again on weaker revenue, naming the cushion left in Portland. Portland appraisers challenge weak assumptions, so the cost-to-value story must hold up before an appraiser in Portland. Inside Portland-Vancouver-Hillsboro, OR-WA, submarkets differ widely. Its 6,061 loans average across them all, so a Portland study must name the Portland submarket it means. At 1.00x the national median, Portland projects run typical in size. The study must justify its project for Portland against $207,600.