Oregon Pacific Banking Company dba Oregon Pacific Bank
Oregon Pacific Banking Company dba Oregon Pacific Bank is an active SBA lender in Oregon, a bank offering SBA-guaranteed small-business loans. Currently rated 4.3 stars across 32 Google reviews.
$29M
in SBA approvals since 2010
59
SBA loans funded
Hotels & Lodging · Auto Dealers & Sales · Medical Practices & Clinics
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Oregon Pacific Banking Company dba Oregon Pacific Bank
Offering comprehensive SBA lending services, Oregon Pacific Banking Company specializes in supporting small businesses through various loan programs. With a focus on the Oregon region, they provide tailored financial solutions to help entrepreneurs grow and succeed. Their expertise includes SBA 7(a) loans, which are ideal for business acquisitions, working capital, and equipment purchases, with approval amounts reaching up to $180,000. The bank emphasizes personalized service and flexible terms, making them a reliable partner for small business owners seeking funding options. They also support SBA 504 loans, catering to real estate and large equipment investments, and offer quick access to capital through SBA Express programs. Their microloan offerings assist startups and small businesses needing smaller amounts of funding, fostering local economic development. Located at 1365 Hwy 101 in Florence, they serve clients across the state, with a commitment to helping local businesses thrive.
Industries Oregon Pacific Banking Company dba Oregon Pacific Bank finances
Business types Oregon Pacific Banking Company dba Oregon Pacific Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Oregon Pacific Banking Company dba Oregon Pacific Bank
What is this place and what can I find here?
This is a local SBA lender offering small business loans, including 7(a), 504, and microloans, to help entrepreneurs grow and succeed in Oregon. You can find personalized support and guidance throughout the loan process.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with appointments available outside these hours upon request.
Is there a fee to use this?
There are no fees for simply visiting or consulting; fees apply only when initiating loan applications or related services.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small businesses and entrepreneurs within Oregon, but some services may be available to out-of-state clients based on eligibility.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 650 is generally preferred, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Oregon Pacific Banking Company dba Oregon Pacific Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Oregon Pacific Banking Company dba Oregon Pacific Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
Oregon Pacific Banking Company dba Oregon Pacific Bank is located in Oregon — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Oregon Pacific Banking Company dba Oregon Pacific Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Oregon Pacific Banking Company dba Oregon Pacific Bank itself, which runs its own lending under its own ownership. If you work at Oregon Pacific Banking Company dba Oregon Pacific Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Oregon Pacific Banking Company dba Oregon Pacific Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Oregon Pacific Banking Company dba Oregon Pacific Bank before applying. If you represent Oregon Pacific Banking Company dba Oregon Pacific Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Oregon Pacific Banking Company dba Oregon Pacific Bank by phone at (541) 997-7121 or online at oregonpacificbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Oregon Pacific Banking Company dba Oregon Pacific Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Oregon Pacific Banking Company dba Oregon Pacific Bank most often finances businesses in medical practices & clinics, hotels & lodging, general retail, and restaurants & food service. This reflects Oregon Pacific Banking Company dba Oregon Pacific Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Oregon Pacific Banking Company dba Oregon Pacific Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Oregon Pacific Banking Company dba Oregon Pacific Bank participates in SBA Express depends on its specific SBA lending authority. Contact Oregon Pacific Banking Company dba Oregon Pacific Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Oregon Pacific Banking Company dba Oregon Pacific Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Oregon Pacific Banking Company dba Oregon Pacific Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Oregon Pacific Banking Company dba Oregon Pacific Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Oregon Pacific Banking Company dba Oregon Pacific Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Oregon Pacific Banking Company dba Oregon Pacific Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Oregon Pacific Banking Company dba Oregon Pacific Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Oregon Pacific Banking Company dba Oregon Pacific Bank weighs this case by case under its own policy, so be upfront about your history and ask Oregon Pacific Banking Company dba Oregon Pacific Bank how it evaluates prior bankruptcies.
