OR · State guide

Business loans in Oregon

Oregon businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 7 state programs on file with published terms.

8 cities covered Checked 14 Sep 2026
Get funding in Oregon See the shortlist

Where to start in Oregon

No lender here publishes a state-by-state availability list naming OR, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What Oregon itself funds

Oregon Business Development Fund (OBDF)Administered by Business Oregon (Oregon Business Development Department). Direct state loans for traded-sector business projects, including businesses that support traded-sector activity, certain non-profits, emerging small businesses in rural or distressed areas, and convention/destination facilities with regional tourism impact. Excludes shopping centers, food service facilities and retail serving non-traded sectors, subject to specific exceptions. Published amounts: "the Finance Committee or the Director, on behalf of the state, and the borrower may enter into a loan contract of not more than $2,000,000". Standard loans: "one percentage point more than the prevailing interest rate on United States Treasury bills" with a 4% minimum floor, terms up to 25 years. Oregon Targeted Development Account: "four percentage points less than the prevailing prime rate", maximum 5-year term with 15-year amortization. High-risk loans: "not less than five percentage points over the prevailing prime rate", maximum 5-year term with 20-year amortization. Eligibility as published: Preference is given to "businesses with 100 or fewer employees". Eligible categories are traded-sector businesses and supporting businesses, qualifying non-profits that will not compete with local for-profit businesses, and emerging small businesses in rural/distressed areas.
Oregon Credit Enhancement Fund (CEF)Administered by Business Oregon (Oregon Business Development Department). Loan insurance (credit enhancement) issued to banks and other lenders so they can extend credit to Oregon businesses that would not otherwise qualify. Four named sub-programs: Conventional Insurance (term loans, working capital), Collateral Support Insurance (mitigates collateral shortfalls on real estate), Evergreen Insurance (revolving lines of credit), and Construction Loan Insurance (owner-occupied commercial/industrial projects). Published amounts: Per-business aggregate: "aggregate maximum exposure for all loans insured through the Program shall not exceed $6 million". Conventional Insurance up to $6,000,000; Collateral Support Insurance the lesser of $1,500,000, 20% of the loan, or the insured percentage times the authorized amount; Evergreen Insurance $1,600,000 maximum; Construction Loan Insurance $6,000,000 maximum. Guarantee percentage: Conventional, Evergreen and Construction "up to 80 percent of the original principal amount"; Collateral Support Insurance "up to a maximum of 100 percent of the Deficiency". Eligibility as published: Borrowers must be "Qualified Businesses" that operate in Oregon, engage in economic production, maintain current tax obligations and comply with applicable laws; projects must generate "Substantial Benefit" primarily within Oregon.
Oregon Capital Access Program (CAP)Administered by Business Oregon (Oregon Business Development Department). A loan-loss reserve program: participating financial institutions enroll business-purpose loans and Business Oregon matches borrower/lender premium payments into a loss reserve account held for that lender, enabling lending to businesses that fall outside conventional underwriting. Published amounts: Per-loan reserve transfer cap: no more than "An amount greater than $35,000 per Enrolled Loan and associated, concurrent transactions with related business interests". Aggregate cap: "$150,000 from the Fund to a Loss Reserve Account for a single Qualified Business and related business interests". Department contribution is at minimum an amount matching total fees submitted (typically 1.5%-3.5% of loan principal), rising to 200% of the minimum where the borrower operates entirely in a Distressed Area, for brownfield environmental actions, or where an account holds less than $100,000, and up to a further 200% where the Department determines the loan advances economic development or job creation by small business. Eligibility as published: Financial institutions must demonstrate "adequate capacity, as determined by the Department, to underwrite and monitor business-purpose loans" and cannot have affiliated relationships with borrowers. Participating institutions must notify the Department "within 30 days after the date the Participating Financial Institution disburses proceeds" or when loan documents are fully executed, whichever occurs first.
Entrepreneurial Development Loan Fund (EDLF)Administered by Business Oregon (Oregon Business Development Department), with Certified Entities including Small Business Development Centers (SBDCs). Direct loans "to help start-ups, micro-enterprises and small businesses expand, become established, and/or retain operations in Oregon", intended to "fill niches not provided by banks or credit unions through traditional lending programs" and to "bridge early-stage funding gaps". Published amounts: "No Applicant may receive more than an aggregate lifetime amount of $1,000,000 in loan proceeds from the Fund." Interest rate must be "at least two percentage points (2%) more than the prevailing bank prime interest rate", capped at 18% annually; higher-risk loans with insufficient collateral may be increased by up to 1% per 10% collateral deficiency threshold. "The term of the loan shall not exceed ten years from the date of the contract", and repayment schedules cannot exceed the useful life of financed assets. Eligibility as published: Applicants must meet at least one of: "total revenues of $1,500,000 or less in the 12 calendar months immediately preceding" application; "25 or fewer full-time equivalent employees at the time of application"; or at least 50% ownership by severely disabled individuals. Certified Entities such as SBDCs assist with business plan development and small business management training before and after loan approval.
State Small Business Credit Initiative (SSBCI)Administered by Business Oregon (Oregon Business Development Department). Federal SSBCI capital deployed through Business Oregon's existing credit-enhancement and lending vehicles plus venture capital programs. Treasury's approval states Oregon "will operate five programs, including two venture capital programs to which the state has allocated $30 million." Published amounts: Total state allocation up to $83.5 million; $30 million allocated to two venture capital programs. Per-business terms were not verifiable.
Oregon Economic Development Revenue Bonds (Industrial Development Bonds)Administered by Business Oregon (Oregon Business Development Department). Conduit revenue bond financing for economic development projects; rules cover bond issuance, eligibility determination and bond closing procedures.
Port Revolving FundAdministered by Business Oregon (Oregon Business Development Department). Revolving loans for Oregon port infrastructure projects. Borrowers are ports rather than individual small businesses.

Federal money behind these programs

Oregon was allocated up to $83.5 million under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

MAJOR SOURCE LIMITATION: every Business Oregon program page is unreachable to this research. www.oregon.gov/robots.txt disallows the entire /biz path for all user-agents, so oregon.gov/biz program pages and PDFs (including the CEF flyer and the EDLF application) could not be fetched, and archive.org was blocked as well. Program details recorded here therefore come from the Oregon Secretary of State's official Oregon Administrative Rules database (OAR Chapter 123, Oregon Business Development Department) rather than from Business Oregon's marketing pages. Consequence: 'appears_active' could NOT be verified against a live page for any Oregon program - each is marked true because the governing rules are current in OAR, but no page was checked for a closure notice or a closed application window. Treat Oregon's appears_active values as weaker than the other four states'. The OAR chapter also names Division 9 (Oregon Business, Innovation and Trade Fund) and Division 43 (Water/Wastewater Financing Program), which were not recorded as business-lending programs. Oregon's SSBCI allocation of up to $83.5 million and the five-program structure come from the Treasury approval release dated August 19, 2022. CITIES: 30 incorporated cities at 20,000+ population, 2020 Census. The Wikipedia table was verified to run to the end of the alphabet (last rows Yachats, Yamhill, Yoncalla); an initial extraction pass silently omitted Albany, Grants Pass, Oregon City, Ashland and Sherwood and wrongly included five sub-20,000 cities, so the list was re-verified city by city. Counties are as given by the source; several Oregon cities (for example Salem, Portland, Happy Valley, Tualatin, Wilsonville) in fact extend into additional counties, but the source listed only one county for each except Albany, so no county_note values were invented.

Cities in Oregon

BendEugeneGreshamHillsboroLake OswegoMedfordPortlandSalem

More for Oregon

GuideSmall business funding in Oregon: a capital access programme and a credit enhancement fund, side by side Oregon runs two distinct credit enhancements with different mechanics, and picking the wrong one wastes weeks.

Business funding in Oregon — common questions

Can I get business funding in Oregon?

Yes. 12 funders in this directory serve businesses in Oregon, and 0 of them name Oregon explicitly in their published availability rather than being included by default.

Does Oregon require lenders to disclose the cost of business financing?

Oregon's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Oregon?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Oregon?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Oregon?

Through Oregon's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Oregon?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Oregon change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.