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County4th of 43 in Idaho by approvalsFIPS 16019
SBA loans in Bonneville 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 246 loans to businesses in Bonneville County, Idaho, in FY2021 to FY2025, worth $113M: 198 under 7(a) and 48 under 504.
That is 58.6 approvals per 1,000 business establishments (4,197 establishments in 2023), close to the Idaho figure of 56.7 and above the national 41.0.
It ranks 4th of 43 Idaho counties with approvals. In FY2025 there were 85, up 73% on FY2024.
37 lenders had approvals here; the most active were Zions Bank, A Division of (56), East-Central Idaho Development Company (26) and Glacier Bank (24). 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 Bonneville County
By number of approvals to businesses in the county, FY2021–FY2025; 37 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 56 | $6.5M | 22.8% | |
| 2 | East-Central Idaho Development CompanyRexburg, ID · CDC | 26 | $25.8M | 10.6% | |
| 3 | Glacier BankKalispell, MT | 24 | $9.6M | 9.8% | |
| 4 | The Bank of CommerceIdaho Falls, ID | 23 | $4.4M | 9.3% | |
| 5 | Idaho Central CUChubbuck, ID | 14 | $4.3M | 5.7% | |
| 6 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 13 | $8.2M | 5.3% | |
| 7 | Mountain America FCUSandy, UT | 11 | $8.5M | 4.5% | |
| 8 | The Huntington National BankColumbus, OH | 9 | $1.9M | 3.7% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 7 | $5.3M | 2.8% | |
| 10 | Capital Matrix, Inc.Boise, ID · CDC | 6 | $4.3M | 2.4% | |
| 11 | Northeast BankLewiston, ME | 6 | $1.0M | 2.4% | |
| 12 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $582K | 2.4% | |
| 13 | Newtek Small Business Finance, Inc.Lake Success, NY | 4 | $6.0M | 1.6% | |
| 14 | America First Federal Credit UnionRiverdale, UT | 4 | $5.5M | 1.6% | |
| 15 | U.S. Bank, National AssociationCincinnati, OH | 4 | $1.8M | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 14 | 5.7% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 14 | 5.7% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 12 | 4.9% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 4.5% | |
| 5 | Personal Care ServicesNAICS 8121 | 9 | 3.7% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 9 | 3.7% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 3.3% | |
| 8 | General Freight TruckingNAICS 4841 | 7 | 2.8% | |
| 9 | Nonresidential Building ConstructionNAICS 2362 | 6 | 2.4% | |
| 10 | Residential Building ConstructionNAICS 2361 | 6 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 38 | 15.4% | |
| 2 | Retail Trade | 34 | 13.8% | |
| 3 | Other Services (except Public Administration) | 29 | 11.8% | |
| 4 | Health Care and Social Assistance | 27 | 11.0% | |
| 5 | Accommodation and Food Services | 22 | 8.9% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 22 | 8.9% | |
| 7 | Manufacturing | 13 | 5.3% | |
| 8 | Wholesale Trade | 12 | 4.9% |
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* | 42 | $11.7M | $120K | 9 | $8.3M | 51 | 443 |
| FY2025 | 76 | $18.3M | $100K | 9 | $6.8M | 85 | 745 |
| FY2024 | 41 | $8.7M | $146K | 8 | $7.7M | 49 | 340 |
| FY2023 | 33 | $20.2M | $176K | 4 | $4.7M | 37 | 410 |
| FY2022 | 25 | $8.5M | $160K | 12 | $10.8M | 37 | 224 |
| FY2021 | 23 | $15.3M | $254K | 15 | $12.2M | 38 | 426 |
| FY2020 | 23 | $7.4M | $100K | 17 | $8.0M | 40 | 295 |
| FY2019 | 20 | $5.8M | $130K | 14 | $6.4M | 34 | 539 |
| FY2018 | 37 | $11.5M | $85K | 10 | $2.7M | 47 | 451 |
| FY2017 | 34 | $6.7M | $83K | 12 | $6.5M | 46 | 336 |
| FY2016 | 32 | $15.1M | $221K | 13 | $8.3M | 45 | 449 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 212 approvals.
Against Idaho and the country
| FY2021–FY2025 | Bonneville County | Idaho | United States |
|---|---|---|---|
| Approvals | 246 | 3,296 | 342,825 |
| Approvals per 1,000 establishments | 58.6 | 56.7 | 41.0 |
| Median 7(a) approval | $150K | $149K | $190K |
| Median 504 approval | $524K | $501K | $657K |
| Average approval | $460K | $484K | $573K |
| 504 share of approvals | 19.5% | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 8.7 | 9.2 | 10.5 |
| Share of state approvals | 7.5% | 100.0% | — |
Approval sizes
- $50,000 or less25.2%62
- $50,001 to $150,00023.2%57
- $150,001 to $350,00020.3%50
- $350,001 to $1 million19.9%49
- $1 million to $2 million5.7%14
- Over $2 million5.7%14
Age of the businesses
- Existing, more than 2 years old52.0%128
- New business, 2 years or less18.7%46
- Startup, loan funds will open the business21.5%53
- Change of ownership7.3%18
- Not answered0.4%1
Questions and answers
Which lenders make the most SBA loans in Bonneville County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (56), East-Central Idaho Development Company (26), Glacier Bank (24), The Bank of Commerce (23), Idaho Central CU (14). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bonneville County?
The median 7(a) approval was $150K and the median 504 approval $524K; the Idaho 7(a) median was $149K.
Which industries get the most SBA loans in Bonneville County?
Restaurants and Other Eating Places (14); Other Specialty Trade Contractors (14); Services to Buildings and Dwellings (12); Automotive Repair and Maintenance (11); Personal Care Services (9).
Is SBA lending in Bonneville County rising?
Approvals in the three latest complete fiscal years total 171, against 115 in the three before: rising (+49%).
How does Bonneville County compare with the rest of Idaho?
58.6 approvals per 1,000 establishments against 56.7 statewide, and 246 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