Capital for Oregon operators
from the Coast Range to the Cascades.

Oregon's economy is structurally unusual — a semiconductor and advanced-manufacturing base concentrated in Washington County's Silicon Forest, an athletic apparel cluster anchored by Nike's Beaverton world headquarters along with Columbia Sportswear in Cedar Mill and Adidas North America in Portland, a deep forestry and timber sector that still feeds mills throughout the Cascades and the Coast Range, an agricultural economy that produces world-class pinot noir, hazelnuts, pears, hops, Christmas trees, and grass seed, and an outdoor recreation and craft-beverage culture that built brands like REI and a beer scene that punches far above the state's size. Underneath every one of those anchors is a deep small-business operating economy. That is where we work.

Our Oregon pipeline reaches every region. In the Portland metro we fund operators across downtown Portland, the Pearl, the eastside through Hawthorne and Alberta, North Portland, the westside through Beaverton and Hillsboro, Tigard, Tualatin, Lake Oswego, and Gresham. The Willamette Valley brings us deal flow from Salem and the state-capital service economy, Albany, Corvallis and OSU's adjacent economy, Eugene and the southern valley wine country, and the small-town ag and food-processing belt that runs the length of the valley. Central Oregon adds Bend, Redmond, and the high-desert recreation economy. Southern Oregon covers Roseburg, Medford, Grants Pass, and Ashland. The coast brings us Astoria, Lincoln City, Newport, Coos Bay, and Brookings.

The bank-lending coverage gap in Oregon

Oregon has lost a meaningful share of its community-bank field over the last fifteen years through consolidation, and the surviving regional and national institutions concentrate underwriting on commercial real estate, large commercial deposits, and high-net-worth clients rather than on the $50K to $500K working-capital tickets the state's small businesses actually need. A Pearl District restaurant, a Bend brewery, a McMinnville winery, a Eugene contractor, a Medford auto group — strong, deposit-rich businesses — frequently cannot get a fast yes from a bank. We close that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach fits Oregon's mix because it accommodates the cash-heavy food cart pod in Southeast Portland, the receivable-heavy hazelnut processor in the valley, the project-based home-builder in Bend, and the platform-heavy DTC apparel brand shipping out of Northeast Portland on the same underwriting bench.

Oregon's industry mix, the way we see it

Semiconductors and athletic apparel dominate state GDP, but Intel, Nike, Adidas, and Columbia mostly do not fund through us. Where we play heavily is the operating economy underneath: the restaurants, hotels, contractors, retailers, medical practices, ag operators, vineyards, and logistics businesses that move Oregon day to day. Craft beverage producers — breweries, distilleries, cideries, and roasters — are a meaningful slice of our Oregon book, as are forestry contractors, outdoor recreation outfitters in the Cascades, and the long tail of professional services firms across every metro.

Oregon is best understood as a Portland metro centered on Multnomah and Washington counties, a long Willamette Valley I-5 corridor from Salem through Eugene, a Southern Oregon corridor through Medford and Ashland, and a high-desert Central Oregon economy around Bend. Below is how the major regions break down in our book.

Portland

Portland is the largest single Oregon market in our book by a wide margin. We fund operators across downtown, the Pearl District, Old Town and the riverfront, the eastside through Hawthorne, Belmont, Division, and Alberta, North Portland, and the inner west hills. The industry mix is unusually broad: restaurants and bars, hotels and short-term rentals, breweries and distilleries, construction and trades riding the metro build cycle, healthcare, beauty and wellness, specialty retail, and the long tail of service businesses orbiting Nike, Adidas, Intel, and Columbia.

Beaverton and the Silicon Forest

Beaverton, Hillsboro, Tigard, and Tualatin form one of the densest tech-adjacent small-business markets on the West Coast. Intel's Hillsboro campus is one of the largest semiconductor manufacturing footprints in the United States, Nike's Beaverton world headquarters anchors the athletic apparel cluster, and dozens of mid-cap tech and biotech employers create a deep operating economy of restaurants, contractors, dental and medical practices, professional services, and retail. Tickets in Washington County tend to skew larger than the state median because operating costs and ticket sizes are higher.

Eugene and Salem

Eugene is anchored by the University of Oregon, PeaceHealth, and a craft food-and-beverage scene that punches above its size. Salem is the state capital and brings us steady deal flow from state-contract-facing service businesses, healthcare practices, and the Willamette Valley restaurant and retail base. Both metros support a deep contractor and trades base riding I-5 housing demand.

Bend and Central Oregon

Bend is one of the fastest-growing small metros in the Pacific Northwest, anchored by an outdoor recreation economy, a craft brewing cluster, and a steady inflow of remote tech workers. We fund restaurants, breweries, outfitters, lodging operators, contractors, and the trade businesses riding Deschutes County's residential growth. Redmond and Sisters round out the Central Oregon book.

Willamette Valley wine country

The Willamette Valley produces some of the most acclaimed pinot noir in the world, and the wineries, tasting rooms, vineyard-management firms, and hospitality operators that ride that economy are a meaningful slice of our Oregon book. We fund operators from Newberg and Dundee through McMinnville and south through the Eola-Amity Hills and the southern valley AVAs.

Southern Oregon and the Coast

Medford, Ashland, Grants Pass, and Roseburg form the Southern Oregon corridor and bring us a mix of healthcare, restaurants, contractors, and tourism operators tied to the Oregon Shakespeare Festival and the Rogue Valley wine country. The Oregon Coast adds tourism, lodging, charter and fishing operators, and the marine-trades base from Astoria through Brookings.