Full-Service Restaurants acquisitions in Oregon: SBA loan data
Since FY2018, SBA lenders have approved 31 7(a) loans to buy an existing business classified as Full-Service Restaurants in Oregon, totaling $20.5M. The median loan was $405,500. That is 4.7% of the 656 acquisition loans in Oregon.
Terms signed in the LOI shape the purchase agreement that follows.
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How this compares
The median Full-Service Restaurants loan in Oregon is 35% lower than the $620,100 median for all Oregon acquisitions, and in line with the $411,700 median for Full-Service Restaurants acquisitions nationwide (2,797 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.9% of seasoned Full-Service Restaurants acquisition loans were charged off, and 4.4% of seasoned Oregon acquisition loans of any type.
Full-Service Restaurants acquisition loans in Oregon by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $2.2M | $251,000 | |
| FY2019 | 7 | $4.1M | $482,800 | |
| FY2020 | 2 | $466K | $232,900 | |
| FY2021 | 1 | $1.2M | $1,185,000 | |
| FY2022 | 3 | $1.1M | $299,100 | |
| FY2023 | 3 | $3.1M | $793,000 | |
| FY2024 | 3 | $1.5M | $405,500 | |
| FY2025 | 4 | $4.7M | $798,500 | |
| FY2026 | 3 | $2.2M | $115,000 |
How often do these acquisition loans fail?
Fewer than 20 Full-Service Restaurants in Oregon acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 19.4% | $4.8M | |
| 2 | Columbia Bank | 5 | 16.1% | $2.8M | |
| 3 | Harborstone CU | 2 | 6.5% | $1.6M | |
| 4 | Plumas Bank | 2 | 6.5% | $903K | |
| 5 | First Internet Bank of Indiana | 1 | 3.2% | $2.1M |
Top franchise brands
No franchise brands recorded in this combination.
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much do SBA loans for Full-Service Restaurants acquisitions in Oregon run?
The median SBA 7(a) loan was $405,500 across 31 loans (FY2018 to FY2026), with the middle half between $207,450 and $947,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Full-Service Restaurants acquisitions in Oregon?
The Huntington National Bank (6), Columbia Bank (5), Harborstone CU (2), Plumas Bank (2), First Internet Bank of Indiana (1). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Full-Service Restaurants acquisition loans fail in Oregon?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Full-Service Restaurants acquisitions in Oregon?
3 of the 31 loans (10%) involved a franchise brand.
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Related
- All Oregon acquisitions
- Financing one? How to get an SBA loan to buy a restaurant
- Full-Service Restaurants nationally
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- Full-Service Restaurants in Texas
- Full-Service Restaurants in Florida
- Full-Service Restaurants in Washington
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- Full-Service Restaurants in Pennsylvania
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Small samples move a lot: each loan in this combination is 3% of the count. Industry is the NAICS code the lender recorded. See the methodology.