Lenders › Panhandle Area Council, Inc.
504 CDCHayden, Idahocertified development company116th of 182 by approvals
Panhandle Area Council, Inc.
SBA 504 loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Panhandle Area Council, Inc. (Hayden, Idaho) is a certified development company (CDC) that makes SBA 504 loans, 116th of 182 by approvals in FY2021 to FY2025: 42 loans worth $37.3M.
In FY2025, the latest complete fiscal year, it had 7 approvals totalling $2.8M. FY2026 to 30 Jun 2026 adds 7 more.
The median approval was $521K, against $657K for the 504 program as a whole; 2.4% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 2 states and territories and 12 counties, led by Idaho (97.6%) and Washington (2.4%). The largest industry group was manufacturing at 23.8% of approvals, and 9.5% of approvals were to franchise businesses.
Panhandle Area Council, Inc. has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 7 | $3.8M | $490K | $550K | 48 |
| FY2025 | 7 | $2.8M | $309K | $394K | 39 |
| FY2024 | 8 | $3.8M | $454K | $477K | 44 |
| FY2023 | 10 | $13.1M | $1.3M | $1.3M | 112 |
| FY2022 | 8 | $12.0M | $556K | $1.5M | 96 |
| FY2021 | 9 | $5.6M | $378K | $626K | 68 |
| FY2020 | 4 | $4.5M | $895K | $1.1M | 31 |
| FY2019 | 3 | $693K | $176K | $231K | 8 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 7 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Idaho | 504 program |
|---|---|---|---|
| Approvals in these years | 22 | 1,171 | 85,591 |
| Cancelled or never disbursed | 5 | 117 | 12,514 |
| Disbursed loans | 17 | 1,054 | 73,077 |
| Paid in full | 6 | 512 | 35,491 |
| Charged off | 0 | 5 | 905 |
| Still outstanding (status exempt from disclosure) | 11 | 537 | 36,681 |
| Charged off, share of disbursed loans | too few loans | 0.5% | 1.2% |
| Dollars charged off, share of disbursed dollars | too few loans | 0.6% | 0.9% |
| Dollars charged off | — | $3.2M | $499M |
Against the 504 program
| FY2021–FY2025 | This lender | 504 program |
|---|---|---|
| Median approval | $521K | $657K |
| Average approval | $887K | $1.0M |
| Approvals of $150,000 or less | 2.4% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 21.4% | 14.4% |
| Approvals to franchise businesses | 9.5% | 9.0% |
| Jobs supported per approval, as reported | 8.5 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 1.2% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Idaho | 41 | $37.0M | 97.6% | |
| 2 | Washington | 1 | — | 2.4% |
In Idaho the lender accounts for 7.8% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (12 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Kootenai County, ID | 13 | $9.7M | 31.0% | |
| 2 | Ada County, ID | 11 | $10.5M | 26.2% | |
| 3 | Canyon County, ID | 6 | $3.5M | 14.3% | |
| 4 | Blaine County, ID | 3 | $707K | 7.1% | |
| 5 | Bonner County, ID | 2 | — | 4.8% | |
| 6 | Payette County, ID | 1 | — | 2.4% | |
| 7 | Latah County, ID | 1 | — | 2.4% | |
| 8 | Madison County, ID | 1 | — | 2.4% | |
| 9 | Whitman County, WA | 1 | — | 2.4% | |
| 10 | Valley County, ID | 1 | — | 2.4% | |
| 11 | Jerome County, ID | 1 | — | 2.4% | |
| 12 | Fremont County, ID | 1 | — | 2.4% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 10 | 23.8% | |
| 2 | Accommodation and Food Services | 9 | 21.4% | |
| 3 | Health Care and Social Assistance | 6 | 14.3% | |
| 4 | Other Services (except Public Administration) | 5 | 11.9% | |
| 5 | Wholesale Trade | 3 | 7.1% | |
| 6 | Retail Trade | 2 | 4.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 2 | 4.8% | |
| 8 | Construction | 2 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 16.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 9.5% | |
| 3 | Architectural and Structural Metals ManufacturingNAICS 3323 | 2 | 4.8% | |
| 4 | Motor Vehicle Parts ManufacturingNAICS 3363 | 2 | 4.8% | |
| 5 | Investigation and Security ServicesNAICS 5616 | 2 | 4.8% | |
| 6 | Metalworking Machinery ManufacturingNAICS 3335 | 2 | 4.8% | |
| 7 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 4.8% | |
| 8 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 2.4% | |
| 9 | Traveler AccommodationNAICS 7211 | 1 | 2.4% | |
| 10 | Gasoline StationsNAICS 4571 | 1 | 2.4% |
Approval sizes
- $50,001 to $150,0002.4%1
- $150,001 to $350,00031.0%13
- $350,001 to $1 million40.5%17
- $1 million to $2 million16.7%7
- Over $2 million9.5%4
Loan terms
- Over 5 to 10 years4.8%2
- Over 20 years95.2%40
Age of the businesses
- Existing, more than 2 years old76.2%32
- New business, 2 years or less2.4%1
- Startup, loan funds will open the business19.0%8
- Change of ownership2.4%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 504 Basic | 42 | 100.0% |
Franchise share
4 of 42 approvals in FY2021–FY2025 (9.5%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | La Quinta by Wyndham | 1 | 2.4% | |
| 2 | Blaze Pizza | 1 | 2.4% | |
| 3 | Jackson Food Stores, Inc. | 1 | 2.4% | |
| 4 | Denny's | 1 | 2.4% |
Third-party lenders in its 504 projects
A 504 project pairs the CDC's loan with a larger loan from a bank or other lender. Banks and credit unions named on five or more of this CDC's projects in FY2021–FY2025:
| # | Third-party lender | Projects | Share | |
|---|---|---|---|---|
| 1 | Glacier Bank | 18 | 42.9% | |
| 2 | First Federal Savings Bank | 7 | 16.7% | |
| 3 | Washington Trust Bank | 7 | 16.7% |
Questions and answers
How many SBA loans does Panhandle Area Council, Inc. make?
SBA approved 7 504 loans through Panhandle Area Council, Inc. in FY2025, worth $2.8M, and 42 over FY2021 to FY2025. That ranks 116th of 182 active CDCs by number of approvals.
How large are Panhandle Area Council, Inc.'s typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $521K and the average $887K. The program-wide median was $657K.
What is Panhandle Area Council, Inc.'s charge-off rate?
Panhandle Area Council, Inc. has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Panhandle Area Council, Inc. lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (7); automotive repair and maintenance (4); architectural and structural metals manufacturing (2); motor vehicle parts manufacturing (2).
Where does Panhandle Area Council, Inc. make SBA loans?
In 2 states and territories. Idaho 41, Washington 1. In Idaho it accounts for 7.8% of all 504 approvals.
Is Panhandle Area Council, Inc.'s SBA lending rising?
Approvals in the three latest complete fiscal years total 25, against 21 in the three before: rising (+19%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error