Restaurant Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
What SBA's own loan files show about full-service restaurant lending in the Portland-Vancouver-Hillsboro, OR-WA Metro Area, and what a feasibility study for a project there has to test.
Portland: full-service restaurant
SBA records 304 full-service restaurant loans for Portland, with $145.7 million approved from FY2017 to FY2026. Portland holds spot 24 of 821 among metro areas on 304 loans; in Portland, the class holds 1 of 39. Portland: the 1.01x quotient shows a similar concentration. With 304 loans behind it, $242,550 in Portland sits near its parents; ranks and the 1.01x quotient decide.
$242,550 in Portland, below the national median (0.88x), is its median; Portland's middle half spans $50,000 to $589,500. Program choice in Portland: 285 used 7(a), 19 used 504. 7.9% of the 304 loans went to franchisees.
Portland's 7(a) table, 50 loans held by Columbia Bank (OR), $17.6 million; 44 held by U.S. Bank, National Association, $4.0 million; 17 held by Wells Fargo Bank National Association, $8.8 million; 16 held by KeyBank National Association, $5.2 million; 12 held by Newtek Bank, National Association, $3.2 million. Portland's 504 table, 5 loans held by Cascade Capital Funding, $4.0 million; 5 held by Northwest Business Development Association, $2.1 million. Portland leaves holders under 5 loans unnamed. Portland counties, of 304 loans: Multnomah County, OR 153; Washington County, OR 71; Clark County, WA 37; Clackamas County, OR 30.
Outcome floors in Portland and approvals
17.1% or more of Portland approvals were cancelled by FY2024. Portland's undisbursed-loan ceiling is withheld. Among 133 FY2017 to FY2021 loans disbursed, 4.5% or more stand charged off; Portland's five-year figure: withheld, not zero. Portland open loans may raise floors. Portland, moving from 31 loans and $11.7 million in FY2017, ended on 36 loans and $16.6 million in FY2026; the peak was 61 loans and $22.5 million in FY2019, the trough 15 in FY2021. Loans by year in Portland: FY2017 31, FY2018 36, FY2019 61, FY2020 23, FY2021 15, FY2022 17, FY2023 20, FY2024 31, FY2025 34, FY2026 36. Dollars per year: FY2017 $11.7 million, FY2018 $17.5 million, FY2019 $22.5 million, FY2020 $9.6 million, FY2021 $9.8 million, FY2022 $9.3 million, FY2023 $10.4 million, FY2024 $20.4 million, FY2025 $17.8 million, FY2026 $16.6 million.
Portland: what a feasibility study must prove
For 304 loans in Portland, ventilation costs outside $50,000 to $589,500 need cases. For 304 approvals in Portland, appraisers split concept from building. Portland approvals ran from 15 in FY2021 to 61 in FY2019; for Portland, plan for stalled years. Portland's quotient, 1.01x: count rivals by cuisine. Across 304 loans, evening cover counts in Portland carries $242,550. Portland: facing slow months, debt service holds with $145.7 million approved.
Portland counts 304 loans by project county. Portland borders follow the July 2023 delineation. Portland omits counties it cannot place. 304 loans are a rough guide to Portland, not a census.
SBA full-service restaurant loans in the Portland-Vancouver-Hillsboro, OR-WA Metro Area
| Loans approved, FY2017 to FY2026 | 304 |
|---|---|
| Gross dollars approved | $145.7 million |
| Median loan | $242,550 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $589,500 |
| SBA 7(a) loans | 285 |
| SBA 504 loans | 19 |
| Franchise share of loans | 7.9% |
| Rank among metro and micro areas for full-service restaurant loans | 24 of 821 |
| Rank of full-service restaurant among the classes in this area | 1 of 39 |
| Location quotient (share of loans against the national share) | 1.01x |
| Median loan against the national median for the class | 0.88x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 17.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.5% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 133 |
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 full-service restaurant loans approved in the Portland-Vancouver-Hillsboro, OR-WA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 31 | $11.7 million |
| FY2018 | 36 | $17.5 million |
| FY2019 | 61 | $22.5 million |
| FY2020 | 23 | $9.6 million |
| FY2021 | 15 | $9.8 million |
| FY2022 | 17 | $9.3 million |
| FY2023 | 20 | $10.4 million |
| FY2024 | 31 | $20.4 million |
| FY2025 | 34 | $17.8 million |
| FY2026 | 36 | $16.6 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Cascade Capital Funding | 5 | $4.0 million |
| Northwest Business Development Association | 5 | $2.1 million |
| Lender | Loans | Dollars |
|---|---|---|
| Columbia Bank (OR) | 50 | $17.6 million |
| U.S. Bank, National Association | 44 | $4.0 million |
| Wells Fargo Bank National Association | 17 | $8.8 million |
| KeyBank National Association | 16 | $5.2 million |
| Newtek Bank, National Association | 12 | $3.2 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 | 153 |
| Washington County, OR | 71 |
| Clark County, WA | 37 |
| Clackamas County, OR | 30 |
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-C34.
Related feasibility study pages
- Full-service restaurant feasibility study consultant
- Feasibility Study Data for the Portland-Vancouver-Hillsboro, OR-WA Metro Area
- Restaurant Feasibility Study in Oregon
- Restaurant Feasibility Study in Washington
- Oregon feasibility study consultant
- Washington feasibility study consultant
- Feasibility Study Data by Metro Area
- SBA feasibility study consultant
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