Limited-Service Restaurants acquisitions in Oregon: SBA loan data
Since FY2018, SBA lenders have approved 33 7(a) loans to buy an existing business classified as Limited-Service Restaurants in Oregon, totaling $20.4M. The median loan was $415,000. That is 5.0% of the 656 acquisition loans in Oregon.
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How this compares
The median Limited-Service Restaurants loan in Oregon is 33% lower than the $620,100 median for all Oregon acquisitions, and 19% higher than the $350,000 median for Limited-Service Restaurants acquisitions nationwide (2,222 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.3% of seasoned Limited-Service Restaurants acquisition loans were charged off, and 4.4% of seasoned Oregon acquisition loans of any type.
Limited-Service Restaurants acquisition loans in Oregon by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $3.1M | $341,000 | |
| FY2019 | 5 | $3.4M | $610,100 | |
| FY2020 | 2 | $715K | $357,500 | |
| FY2021 | 5 | $3.3M | $325,000 | |
| FY2022 | 2 | $2.4M | $1,201,000 | |
| FY2023 | 2 | $3.9M | $1,939,800 | |
| FY2024 | 4 | $1.1M | $233,250 | |
| FY2025 | 5 | $1.7M | $355,000 | |
| FY2026 | 2 | $859K | $429,550 |
How often do these acquisition loans fail?
Fewer than 20 Limited-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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Columbia Bank | 6 | 18.2% | $1.6M | |
| 2 | Stearns Bank National Association | 4 | 12.1% | $1.2M | |
| 3 | Gulf Coast Bank and Trust Company | 3 | 9.1% | $1.6M | |
| 4 | First-Citizens Bank & Trust Company | 2 | 6.1% | $2.1M | |
| 5 | First Interstate Bank | 2 | 6.1% | $1.7M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Subway | 4 | 12.1% | $1.2M | |
| 2 | Jimmy John's | 2 | 6.1% | $2.6M | |
| 3 | Auntie Anne's | 2 | 6.1% | $390K | |
| 4 | Papa Murphy's Take 'N' Bake Pizza | 1 | 3.0% | $2.6M | |
| 5 | Domino's Pizza | 1 | 3.0% | $2.2M |
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much do SBA loans for Limited-Service Restaurants acquisitions in Oregon run?
The median SBA 7(a) loan was $415,000 across 33 loans (FY2018 to FY2026), with the middle half between $257,700 and $840,000. 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 Limited-Service Restaurants acquisitions in Oregon?
Columbia Bank (6), Stearns Bank National Association (4), Gulf Coast Bank and Trust Company (3), First-Citizens Bank & Trust Company (2), First Interstate Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Limited-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 Limited-Service Restaurants acquisitions in Oregon?
23 of the 33 loans (70%) involved a franchise brand, most often Subway (4).
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Related
- All Oregon acquisitions
- Financing one? How to get an SBA loan to buy a fast food restaurant
- Limited-Service Restaurants nationally
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- Limited-Service Restaurants in Washington
- Limited-Service Restaurants in Texas
- Limited-Service Restaurants in Georgia
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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.