County1st of 43 in Idaho by approvalsFIPS 16001
SBA loans in Ada County, Idaho
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 1,096 loans to businesses in Ada County, Idaho, in FY2021 to FY2025, worth $590M: 919 under 7(a) and 177 under 504.
That is 64.4 approvals per 1,000 business establishments (17,028 establishments in 2023), close to the Idaho figure of 56.7 and above the national 41.0.
It ranks 1st of 43 Idaho counties with approvals. In FY2025 there were 303, up 31% on FY2024.
89 lenders had approvals here; the most active were Capital Matrix, Inc. (137), Idaho Central CU (134) and Zions Bank, A Division of (92). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Ada County
By number of approvals to businesses in the county, FY2021–FY2025; 89 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Capital Matrix, Inc.Boise, ID · CDC | 137 | $103M | 12.5% | |
| 2 | Idaho Central CUChubbuck, ID | 134 | $91.7M | 12.2% | |
| 3 | Zions Bank, A Division ofSalt Lake City, UT | 92 | $23.3M | 8.4% | |
| 4 | Glacier BankKalispell, MT | 61 | $31.6M | 5.6% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 60 | $11.6M | 5.5% | |
| 6 | The Huntington National BankColumbus, OH | 54 | $17.9M | 4.9% | |
| 7 | Columbia BankLake Oswego, OR | 40 | $5.0M | 3.6% | |
| 8 | Washington Trust BankSpokane, WA | 39 | $24.7M | 3.6% | |
| 9 | Mountain America FCUSandy, UT | 36 | $11.5M | 3.3% | |
| 10 | D. L. Evans BankBurley, ID | 30 | $3.5M | 2.7% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 29 | $6.3M | 2.6% | |
| 12 | First Interstate BankBillings, MT | 26 | $11.1M | 2.4% | |
| 13 | Banner BankWalla Walla, WA | 22 | $6.7M | 2.0% | |
| 14 | Region IV Development CorporationTwin Falls, ID · CDC | 20 | $15.8M | 1.8% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 19 | $2.4M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 83 | 7.6% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 61 | 5.6% | |
| 3 | Personal Care ServicesNAICS 8121 | 53 | 4.8% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 47 | 4.3% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 38 | 3.5% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 35 | 3.2% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 33 | 3.0% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 33 | 3.0% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 31 | 2.8% | |
| 10 | Other Personal ServicesNAICS 8129 | 23 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 180 | 16.4% | |
| 2 | Health Care and Social Assistance | 156 | 14.2% | |
| 3 | Other Services (except Public Administration) | 124 | 11.3% | |
| 4 | Retail Trade | 108 | 9.9% | |
| 5 | Professional, Scientific, and Technical Services | 104 | 9.5% | |
| 6 | Accommodation and Food Services | 102 | 9.3% | |
| 7 | Manufacturing | 78 | 7.1% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 57 | 5.2% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 155 | $71.4M | $191K | 26 | $34.8M | 181 | 1,925 |
| FY2025 | 277 | $120M | $150K | 26 | $21.2M | 303 | 3,247 |
| FY2024 | 207 | $76.0M | $150K | 24 | $23.6M | 231 | 2,307 |
| FY2023 | 152 | $73.0M | $205K | 27 | $22.2M | 179 | 1,852 |
| FY2022 | 144 | $79.0M | $216K | 40 | $31.8M | 184 | 2,030 |
| FY2021 | 139 | $104M | $350K | 60 | $39.6M | 199 | 2,197 |
| FY2020 | 137 | $55.4M | $150K | 44 | $32.4M | 181 | 1,930 |
| FY2019 | 160 | $54.0M | $150K | 24 | $11.2M | 184 | 1,550 |
| FY2018 | 171 | $49.5M | $125K | 43 | $16.6M | 214 | 1,676 |
| FY2017 | 241 | $65.7M | $100K | 34 | $23.0M | 275 | 2,732 |
| FY2016 | 192 | $50.4M | $100K | 26 | $16.0M | 218 | 1,952 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,072 approvals.
Against Idaho and the country
| FY2021–FY2025 | Ada County | Idaho | United States |
|---|---|---|---|
| Approvals | 1,096 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 64.4 | 56.7 | 41.0 |
| Median 7(a) approval | $175K | $149K | $190K |
| Median 504 approval | $565K | $501K | $657K |
| Average approval | $539K | $484K | $573K |
| 504 share of approvals | 16.1% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 10.6 | 9.2 | 10.5 |
| Share of state approvals | 33.3% | 100.0% | — |
Approval sizes
- $50,000 or less22.7%249
- $50,001 to $150,00019.3%211
- $150,001 to $350,00018.7%205
- $350,001 to $1 million24.9%273
- $1 million to $2 million8.8%96
- Over $2 million5.7%62
Age of the businesses
- Existing, more than 2 years old50.1%549
- New business, 2 years or less18.2%200
- Startup, loan funds will open the business21.0%230
- Change of ownership10.7%117
Questions and answers
Which lenders make the most SBA loans in Ada County?
By approvals in FY2021 to FY2025: Capital Matrix, Inc. (137), Idaho Central CU (134), Zions Bank, A Division of (92), Glacier Bank (61), U.S. Bank, National Association (60). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Ada County?
The median 7(a) approval was $175K and the median 504 approval $565K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Ada County?
Restaurants and Other Eating Places (83); Offices of Other Health Practitioners (61); Personal Care Services (53); Building Equipment Contractors (47); Automotive Repair and Maintenance (38).
Is SBA lending in Ada County rising?
Approvals in the three latest complete fiscal years total 713, against 564 in the three before: rising (+26%).
How does Ada County compare with the rest of Idaho?
64.4 approvals per 1,000 establishments against 56.7 statewide, and 1,096 of the state's 3,296 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error