SBA 7(a) loans in Idaho
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
1,913loans approved
$125,000median loan
$50K–$350Kmiddle half of loans
$723.4Mtotal approved
10%median initial rate
10 yrsmedian term
The median Idaho loan is 29% smaller than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 52 | $129,500 |
| Landscaping Services (561730) | 52 | $98,000 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 46 | $100,000 |
| Limited-Service Restaurants (722513) | 42 | $362,150 |
| All Other Specialty Trade Contractors (238990) | 41 | $128,400 |
| Electrical Contractors and Other Wiring Installation Contractors (238210) | 41 | $50,000 |
| Snack and Nonalcoholic Beverage Bars (722515) | 40 | $141,550 |
| Site Preparation Contractors (238910) | 37 | $100,000 |
| Residential Remodelers (236118) | 36 | $50,000 |
| New Single-Family Housing Construction (except For-Sale Builders) (236115) | 36 | $68,250 |
Most active lenders in Idaho
| Lender | Loans | Median | Total |
|---|---|---|---|
| Zions Bancorporation, National Association | 376 | $100,000 | $59.5M |
| Idaho Central Cu | 189 | $282,000 | $117.8M |
| U.S. Bank, National Association | 163 | $45,100 | $30.9M |
| Columbia Bank | 162 | $50,000 | $8.8M |
| Glacier Bank | 83 | $100,000 | $26.2M |
| Mountain America Fcu | 63 | $50,000 | $20.3M |
| D. L. Evans Bank | 61 | $100,000 | $9.2M |
| The Huntington National Bank | 58 | $234,300 | $22.3M |
| Wells Fargo Bank National Association | 40 | $25,000 | $12.0M |
| Washington Trust Bank | 40 | $179,350 | $22.3M |
SBA 504 loans in Idaho
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
247504 loans approved
$544,000median CDC portion
$207.5Mtotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Idaho
| Lender | Loans | Median | Total |
|---|---|---|---|
| Capital Matrix, INC. | 122 | $556,500 | $105.0M |
| Mountain West Small Business Finance | 60 | $482,000 | $40.0M |
| Panhandle Area Council, INC. | 20 | $472,500 | $9.7M |
| East-Central Idaho Development Company | 13 | $1,339,000 | $20.4M |
| Intermountain Business Lending, INC. | 12 | $441,000 | $11.8M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.