Business loans in Eugene, Oregon

Business Loans in Eugene, OR

One application reaches 70+ lenders who fund Eugene businesses daily. $10K to $20M+. Soft-pull pre-qual.

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✓Soft-pull pre-qual to see your options
✓Same-day funding available
✓70+ lenders compete for your business
✓All established industries
$20M+
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Eugene Market

Why Eugene Businesses Choose Basecamp

Eugene is Oregon's second-largest city and the economic hub of the southern Willamette Valley. The University of Oregon anchors the economy with over 20,000 students and thousands of employees, driving demand for restaurants, retail, student housing, and professional services. Eugene's forest products industry — anchored by Weyerhaeuser, Roseburg Forest Products, and dozens of lumber mills — has been a backbone of the regional economy for over a century.

Healthcare is a major employer — PeaceHealth Sacred Heart Medical Center is the region's largest hospital and drives demand for practice acquisitions and medical equipment. The city's track and field heritage (Track Town USA) and outdoor recreation culture attract tourism and sporting goods businesses. Eugene's growing tech scene includes biotech startups, software companies, and cleantech firms clustering near the university.

Eugene's commercial real estate market is active in the medical, retail, and industrial sectors. The downtown core is undergoing revitalization with mixed-use projects, and the Gateway area and west Eugene industrial corridors attract manufacturing and distribution investment. Businesses that access capital fast capture opportunities in Eugene's growing but still-affordable market.

Real Results

Funded in Eugene

Real financing scenarios for Eugene businesses through our lender network.

🌲

Forest Products

$1.2M SBA 504 for a Eugene lumber distributor purchasing a 40,000 sq ft warehouse and lumber yard. 10% down. 25-year term. Doubled storage and distribution capacity.

$1.2M funded → 10% down → 40,000 sq ft facility acquired

🏥

Medical Practice

$680K revenue-based capital stack for a Eugene family practice acquisition near PeaceHealth Sacred Heart: term loan against $1.4M annual revenue + equipment financing + working capital (see /loans/business-acquisition).

$680K funded → 23 days → Sacred Heart corridor

🍽️

Restaurant

$180K working capital for a Eugene restaurant group expanding from downtown to the Whiteaker neighborhood. Kitchen equipment and 3 months of operating capital.

$180K funded → 2nd location open → 7-day funding

🏗️

Construction

$420K equipment financing for an Eugene contractor purchasing excavators and a concrete pump for university-area development projects. Equipment as collateral.

$420K funded → 10% down → equipment deployed

“We distribute lumber across the Pacific Northwest and needed a bigger facility before building season. Our bank wanted 65 days. Basecamp closed our SBA 504 in 21 days. We handled our biggest year ever.”

— Lumber distributor, Eugene OR

Get Started

See What Eugene Lenders Will Offer You

One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.

✓Soft-pull pre-qual
✓No obligation
✓Funded as fast as same day
✓70+ lenders compete for your business
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Estimate Your Capital Range

Slide to your annual gross revenue. We size capital off your top line — not your credit score.

$500K$10M$150M+

Estimated Capital Range

$1M – $1.5M

Based on 10-15% of annual revenue. Lenders return real term sheets once they see your file.

60 seconds · No obligation · Estimate only

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Industries We Fund

Top Industries in Eugene

🌲

Wholesale

Forest products distribution, lumber yards, building materials. Eugene is a Pacific Northwest timber distribution hub.

🦷

Healthcare

PeaceHealth Sacred Heart, university-affiliated clinics. Practice acquisitions and medical equipment across the region.

🍽️

Restaurants

Downtown Eugene, Whiteaker neighborhood, university-area dining. College town food culture drives restaurant investment.

🏗️

Construction

University development, residential growth, commercial buildouts. Eugene construction market is active.

🏭

Manufacturing

Forest products processing, biotech, cleantech. Eugene manufacturing builds on timber heritage and university research.

Market Data

Cost of Business in Eugene

Key business cost metrics for Eugene, OR.

CategoryEugene Data
Commercial Rent$16–$26/sq ft (office) · $5–$9/sq ft (industrial)
Average Wages$52,000 median household income
Permits & Licensing$400–$5,000+ depending on scope
Commercial Property Prices$160–$280/sq ft (commercial office)

Why Basecamp

Eugene vs Going to a Bank

Here's why Eugene business owners choose Basecamp over their local bank.

CategoryTraditional BankBasecamp Funding
Number of lenders1 bank, 1 answer70+ lenders compete for your business
Application time60–90 minutes in-branch60 seconds online
Time to funding45–90 daysSame day to 30 days
Capital availableLimited to bank's appetiteCapital stacks up to $20M+
Credit requirements700+ FICO typicalRevenue-focused — we evaluate total business performance
Specialist supportLoan officer managing 50+ filesDedicated specialist for your transaction
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Funding Built for Your Stage of Growth

Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.

🚀

Growing Businesses

$10K – $1M

Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.

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⭐

Established Businesses

$1M – $5M

Structured financing with capital stacking. Dedicated commercial specialist.

Talk to a Commercial Specialist →
💎

Commercial & Complex

$5M – $20M+

Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts.

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Recommended Products

Best Loan Products for Eugene Businesses

The most popular funding types for businesses in Eugene. Each links to a detailed product page.

🏢 Commercial Real Estate

Eugene's forest products and medical corridors drive CRE demand. SBA 504 with 10% down.

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📊 SBA Loans

Lowest rates for acquisitions, property, and major expansions. 10% down for most transactions.

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🔧 Equipment Financing

Lumber equipment, construction machinery, medical devices — the asset is your collateral.

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💰 Working Capital

Bridge cash flow for seasonal lumber demand and restaurant expansion. Fund in 1–3 days.

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FAQ

Frequently Asked Questions — Eugene Business Loans

Eugene Business Lending — From the Basecamp Team

Our team works with Eugene business owners every day. Forest products distribution drives demand for commercial real estate and equipment financing. PeaceHealth Sacred Heart creates a strong healthcare practice acquisition market. The University of Oregon's presence fuels restaurant and retail investment.

Here's what works in Eugene: SBA 504 at 10% down for lumber yard and warehouse acquisitions, equipment financing for forest products machinery, and working capital for seasonal demand surges. Check our loan cost calculator to see real numbers.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder, Basecamp Funding

Bobby Friel, Founder of Basecamp Funding

Nearby Markets

Other Oregon Cities We Serve

Click through to see funding scenarios, local industry focus, and commercial financing for businesses in these Oregon metros.

📍 Portland

Portland is Oregon's economic engine and the largest city in the Pacific Northwest after Seattle. The metro anchors the ...

📍 Salem

Salem is Oregon's capital city and the third-largest metro in the state. State government is the largest employer, with ...

📍 Gresham

Gresham is the fourth-largest city in Oregon and a key part of the Portland metro's east side economy. The city's manufa...

📍 Hillsboro

Hillsboro is the heart of Oregon's Silicon Forest and one of the most important technology manufacturing centers on the ...

📍 Beaverton

Beaverton is home to Nike's world headquarters — one of the most iconic corporate campuses in the world — and anchors th...

📍 Bend

Bend is Central Oregon's economic hub and one of the fastest-growing cities in the Pacific Northwest. The outdoor recrea...

📍 Medford

Medford is the economic center of Southern Oregon and the Rogue Valley. The city serves as a regional hub for healthcare...

📍 Corvallis

Corvallis is a university city anchored by Oregon State University, one of the largest research institutions in the Paci...

📍 Springfield

Springfield is Eugene's sister city and a manufacturing and industrial hub in the southern Willamette Valley. The city's...

🏢 Need Commercial Financing Above $1M?

For capital stacks combining SBA, commercial real estate, equipment, and working capital into one structured package from $500K to $20M+, our commercial team structures the full transaction across multiple lenders.

Explore Commercial Financing →
← Back to Oregon Business Loans

Eugene Businesses Don't Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

See What You Qualify For

Soft-pull pre-qual · No obligation · 60 seconds