Idaho SBA lending, from federal loan records
SBA Lenders Actively Funding Businesses in Idaho
Since FY2020, 139 lenders have funded 3,929 SBA loans worth $1.9B for businesses in Idaho. Borrowers reported 35,225 jobs supported by those loans. Below is who actually writes them, how big they run, and which Idaho businesses get funded.
Most active SBA lenders in Idaho
Ranked by loans funded for Idaho projects since FY2020, not by advertising budget. A lender headquartered elsewhere that funds heavily in Idaho beats a local name that rarely writes SBA loans.
| Lender | Program | ID loans since FY2020 | Since FY2025 | Median loan | Median rate |
|---|---|---|---|---|---|
| Zions Bank | 7(a) | 461 | 249 | $100K | 9.5% |
| Capital Matrix, Inc. | 504 (CDC) | 328 | 86 | $502K | n/a |
| Glacier Bank | 7(a) | 311 | 41 | $150K | 7% |
| Idaho Central CU | 7(a) | 285 | 128 | $300K | 9.75% |
| U.S. Bank, National Association | 7(a) | 272 | 94 | $36K | 8.75% |
| Columbia Bank | 7(a) | 237 | 94 | $50K | 11.75% |
| D. L. Evans Bank | 7(a) | 144 | 36 | $100K | 8.75% |
| Mountain America FCU | 7(a) | 111 | 39 | $50K | 8.5% |
| Wells Fargo Bank National Association | 7(a) | 99 | 19 | $15K | 10.25% |
| The Huntington National Bank | 7(a) | 96 | 39 | $216K | 10% |
| Washington Trust Bank | 7(a) | 85 | 15 | $325K | 7.75% |
| East-Central Idaho Development Company | 504 (CDC) | 85 | 8 | $449K | n/a |
| Region IV Development Corporation | 504 (CDC) | 83 | 11 | $317K | n/a |
| Banner Bank | 7(a) | 75 | 18 | $100K | 8.25% |
| The Bank of Commerce | 7(a) | 72 | 17 | $149K | 8.25% |
| Mountain West Small Business Finance | 504 (CDC) | 69 | 37 | $448K | n/a |
| Live Oak Banking Company | 7(a) | 59 | 26 | $680K | 8.5% |
| Montana Community Development Corp. | 7(a) | 58 | 15 | $109K | 11% |
| First Interstate Bank | 7(a) | 55 | 18 | $150K | 8.5% |
| KeyBank National Association | 7(a) | 52 | 14 | $50K | 9% |
| Panhandle Area Council, Inc. | 504 (CDC) | 44 | 12 | $579K | n/a |
| Northwest Bank | 7(a) | 42 | 1 | $378K | 7.5% |
| Celtic Bank Corporation | 7(a) | 41 | 14 | $150K | 10% |
| Readycap Lending, LLC | 7(a) | 41 | 16 | $127K | 11.25% |
| BayFirst National Bank | 7(a) | 36 | 7 | $150K | 12.25% |
504 loans are written by Certified Development Companies alongside a bank first mortgage. The 504 file reports no interest rate, so CDC rows show none.
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Start your funding profile →How big Idaho SBA loans run
Share of Idaho 7(a) loans by approval size, next to the national split. If your ask sits in a common band, it is the kind of loan lenders here fund every week.
| 7(a) loan size | ID | US |
|---|---|---|
| Under $150K | 50.3% | 40.4% |
| $150K to $500K | 27.5% | 31.9% |
| $500K to $1M | 11.3% | 12.9% |
| $1M and up | 10.8% | 14.9% |
Who gets funded in Idaho
Business age on Idaho 7(a) loans. 10.8% funded a change of ownership, against 11.1% nationally. Buying a business? See the acquisition lender shortlist. Starting one? See startup-friendly lenders.
| Business stage | ID | US |
|---|---|---|
| Established, more than 2 years | 49.5% | 55.2% |
| New, 2 years or less | 21.2% | 16.9% |
| Startup, loan opens the business | 18.5% | 16.8% |
| Change of ownership (buying a business) | 10.8% | 11.1% |
Industries Idaho SBA lenders fund most
Share of all Idaho SBA loans by industry, and how that compares with the national mix.
| Industry | ID loans | Share | Compared with US |
|---|---|---|---|
| Construction | 704 | 17.9% | 1.4x the national share |
| Healthcare | 489 | 12.4% | 1.2x the national share |
| Retail | 434 | 11% | in line with national |
| Restaurants and hotels | 390 | 9.9% | 0.8x the national share |
| Personal and repair services | 353 | 9% | in line with national |
| Manufacturing | 297 | 7.6% | in line with national |
| Professional services | 277 | 7.1% | 0.8x the national share |
| Business support services | 213 | 5.4% | in line with national |
The most common specific business types funded in Idaho: full-service restaurants (121), limited-service restaurants (95), all other specialty trade contractors (92), landscaping services (83), site preparation contractors (80), general automotive repair (76).
Where in Idaho the loans go
| County | SBA loans since FY2020 | Share of state |
|---|---|---|
| Ada | 1,335 | 34% |
| Kootenai | 445 | 11% |
| Canyon | 436 | 11% |
| Bonneville | 296 | 8% |
| Bannock | 164 | 4% |
| Bonner | 157 | 4% |
| Twin Falls | 129 | 3% |
| Blaine | 100 | 3% |
7(a) or 504 in Idaho
17% of Idaho SBA loans are 504 loans, against 12% nationally. A 504 loan funds owner-occupied real estate or major equipment, with a median of $476K here. A 7(a) loan covers almost anything else, including working capital and buying a business. The busiest 504 lenders in Idaho:
- Capital Matrix, Inc.: 328 504 loans, median $502K
- East-Central Idaho Development Company: 85 504 loans, median $449K
- Region IV Development Corporation: 75 504 loans, median $355K
- Mountain West Small Business Finance: 69 504 loans, median $448K
- Panhandle Area Council, Inc.: 44 504 loans, median $579K
Idaho SBA lending by year
| Fiscal year | 7(a) loans | 504 loans | Dollars |
|---|---|---|---|
| FY2020 | 323 | 111 | $171M |
| FY2021 | 387 | 143 | $330M |
| FY2022 | 382 | 101 | $272M |
| FY2023 | 420 | 74 | $259M |
| FY2024 | 593 | 66 | $253M |
| FY2025 | 738 | 86 | $336M |
| FY2026 (through June 30, 2026) | 427 | 78 | $241M |
The SBA fiscal year runs October through September.
Common questions
Who is the most active SBA lender in Idaho?
By funded loans since FY2020, Zions Bank leads Idaho with 461 loans.
How big is a typical SBA loan in Idaho?
The median 7(a) loan in Idaho is $146K, and the middle half runs from $50K to $420K. The median 504 loan is $476K. Nationally the 7(a) median is $200K.
What interest rate do Idaho SBA borrowers get?
The median starting rate on Idaho 7(a) loans since FY2020 is 9.25%, against 9.25% nationally. 88% of those loans carry a variable rate, which moves with the prime rate.
Can a startup get an SBA loan in Idaho?
Yes. 40% of Idaho 7(a) loans with a reported business age went to startups or businesses two years old or younger, against 34% nationally. Lenders still expect a solid plan, owner equity and usually collateral.
Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, FY2020 through June 30, 2026, for projects located in Idaho. Cancelled approvals are excluded. Jobs supported are as reported by borrowers. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.