3,236 SBA loans worth $1.5B went to Idaho businesses between October 2021 and June 2026, from 129 lenders. Zions Bank, A Division of made the most 7(a) loans, 433 or 15% of the state's total, and the ten most active lenders made 64%. The median 7(a) loan was $128,500, below the national median of $158,000. Construction was the most financed industry, at 19% of loans. Annual loan count rose 69% from fiscal 2023 to fiscal 2025.
| # | Lender | Loans | Approved | Median loan | To startups | Most common borrower |
|---|---|---|---|---|---|---|
| 1 | Zions Bank, A Division of Bank · Salt Lake City, UT | 433 | $76.3M | $100,000 | 39% | Construction |
| 2 | Idaho Central CU Credit union · Chubbuck, ID | 268 | $160.6M | $281,000 | 49% | Construction |
| 3 | U.S. Bank Bank · Cincinnati, OH | 224 | $33.0M | $40,000 | 35% | Construction |
| 4 | Columbia Bank Bank · Roseburg, OR | 212 | $26.3M | $50,000 | 12% | Construction |
| 5 | Glacier Bank Bank · Kalispell, MT | 206 | $67.2M | $102,500 | 55% | Construction |
| 6 | D. L. Evans Bank Bank · Burley, ID | 116 | $14.5M | $100,000 | 17% | Construction |
| 7 | Mountain America FCU Credit union · Sandy, UT | 101 | $34.5M | $50,000 | 50% | Construction |
| 8 | Huntington National Bank Bank · Columbus, OH | 100 | $31.2M | $212,500 | 68% | Construction |
| 9 | Wells Fargo Bank Bank · Sioux Falls, SD | 71 | $12.7M | $20,000 | 90% | Construction |
| 10 | Washington Trust Bank Bank · Spokane, WA | 68 | $35.9M | $250,000 | 44% | Construction |
| 11 | Bank of Commerce Bank · Ammon, ID | 65 | $15.0M | $119,800 | 45% | Transportation and warehousing |
| 12 | Banner Bank Bank · Walla Walla, WA | 58 | $16.6M | $100,000 | 22% | Construction |
| 13 | Newtek Bank Bank · Miami, FL | 55 | $31.6M | $350,000 | 13% | Other services (repair, personal care) |
| 14 | Montana Community Development Non-bank lender · Missoula, MT | 51 | $7.4M | $103,500 | 65% | Construction |
| 15 | Live Oak Banking Bank · Wilmington, NC | 49 | $62.2M | $500,000 | 31% | Health care and social assistance |
| 16 | First Interstate Bank Bank · Billings, MT | 47 | $30.4M | $140,000 | 40% | Health care and social assistance |
| 17 | Northeast Bank Bank · Portland, ME | 44 | $7.0M | $107,550 | 14% | Construction |
| 18 | Readycap Lending Non-bank lender · Berkeley Heights, NJ | 43 | $12.2M | $103,500 | 21% | Health care and social assistance |
| 19 | Celtic Bank Bank · Salt Lake City, UT | 39 | $24.5M | $150,000 | 28% | Construction |
| 20 | KeyBank Bank · Cleveland, OH | 35 | $4.6M | $40,000 | 77% | Construction |
| 21 | BayFirst National Bank Bank · St. Petersburg, FL | 34 | $4.6M | $150,000 | 0% | Professional and technical services |
| 22 | America First Federal Credit Union Credit union · Riverdale, UT | 30 | $35.3M | $918,950 | 47% | Retail |
| 23 | WaFd Bank Bank · Seattle, WA | 30 | $1.1M | $30,000 | 50% | Construction |
| 24 | Northwest Bank Bank · Boise, ID | 21 | $12.8M | $450,000 | 24% | Restaurants and hotels |
| 25 | Community Banks of Colorado, A Division of NBH Bank Bank · Greenwood Village, CO | 20 | $15.4M | $242,000 | 30% | Other services (repair, personal care) |
| # | Certified development company | Loans | SBA portion approved | Median |
|---|---|---|---|---|
| 1 | Capital Matrix Boise, ID | 208 | $184.2M | $608,000 |
| 2 | Mountain West Small Business Finance Salt Lake City, UT | 63 | $41.0M | $472,000 |
| 3 | Region IV Development Twin Falls, ID | 52 | $39.7M | $355,000 |
| 4 | Panhandle Area Council Hayden, ID | 38 | $34.7M | $556,000 |
| 5 | East-Central Idaho Development Rexburg, ID | 33 | $37.8M | $599,000 |
| 6 | Eastern Idaho Development Pocatello, ID | 17 | $10.8M | $367,000 |
| 7 | Intermountain Business Lending Ogden, UT | 12 | $11.9M | $441,000 |
| 8 | Northwest Business Development Association Spokane Valley, WA | 7 | $10.2M | $862,000 |
| 9 | Evergreen Business Capital Seattle, WA | 4 | $11.3M | $3,168,500 |
| 10 | Ameritrust CDC Edmonds, WA | 2 | $2.7M | $1,369,000 |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Construction | 606 | $100,000 | Zions Bank, A Division of | |
| Health care and social assistance | 369 | $237,000 | Capital Matrix | |
| Retail | 347 | $202,000 | Zions Bank, A Division of | |
| Restaurants and hotels | 332 | $276,500 | Zions Bank, A Division of | |
| Other services (repair, personal care) | 303 | $157,000 | Zions Bank, A Division of | |
| Manufacturing | 239 | $230,000 | Zions Bank, A Division of | |
| Professional and technical services | 224 | $150,000 | Zions Bank, A Division of | |
| Administrative and support services | 185 | $150,000 | Zions Bank, A Division of | |
| Transportation and warehousing | 124 | $98,900 | Zions Bank, A Division of | |
| Arts, entertainment and recreation | 123 | $264,000 | Zions Bank, A Division of | |
| Real estate and rental | 102 | $162,850 | Zions Bank, A Division of | |
| Wholesale trade | 88 | $200,000 | Zions Bank, A Division of |
| City | Loans | Approved | Median loan | Most active lender |
|---|---|---|---|---|
| Boise | 465 | $226.6M | $200,000 | Idaho Central CU |
| Meridian | 331 | $178.7M | $243,300 | Zions Bank, A Division of |
| Idaho Falls | 256 | $101.9M | $150,000 | Zions Bank, A Division of |
| Nampa | 222 | $98.8M | $150,000 | Capital Matrix |
| Pocatello | 124 | $45.5M | $173,850 | Zions Bank, A Division of |
| Coeur d'Alene | 124 | $43.5M | $150,000 | Glacier Bank |
| Garden City | 103 | $49.2M | $200,000 | Idaho Central CU |
| Caldwell | 102 | $67.9M | $150,000 | Zions Bank, A Division of |
| Eagle | 96 | $63.4M | $277,700 | Idaho Central CU |
| Post Falls | 89 | $59.4M | $200,000 | Glacier Bank |
| Sandpoint | 82 | $15.7M | $57,500 | Glacier Bank |
| Twin Falls | 76 | $26.5M | $149,000 | Zions Bank, A Division of |
| Hayden | 61 | $47.2M | $450,000 | Newtek Bank |
| Rexburg | 51 | $22.3M | $100,000 | Zions Bank, A Division of |
| Rigby | 46 | $12.0M | $104,750 | Zions Bank, A Division of |
26 Idaho cities and suburbs with at least 25 SBA loans since October 2021. Search any zip code at the top of the page.