States › Idaho
State1.0% of US approvals129 lenders active
SBA loans in Idaho
7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.
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 3,296 small business loans in Idaho in FY2021 to FY2025: 2,770 under the 7(a) program and 526 under 504, worth $1.60bn together.
That is 56.7 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 1.0% of all approvals in the country (28th of 54 states and territories).
In FY2025 there were 904 approvals totalling $364M, up 26% on FY2024. The median 7(a) approval over the five years was $149K and the median 504 approval $501K.
129 lenders had at least one approval in the state; by number of 7(a) approvals the most active were Zions Bank, A Division of (383), Glacier Bank (268) and Idaho Central CU (248).
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 3.6% as charged off, against 6.6% nationally.
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.
Most active 7(a) lenders in Idaho
Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.
| # | Lender | Approvals in ID, FY2021–25 | Dollars | Share | Median approval, all states | FY2016–26 | Charged off, FY2010–21 loans |
|---|---|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 383 | $67.7M | 13.8% | $140K | 5.9% | |
| 2 | Glacier BankKalispell, MT | 268 | $105M | 9.7% | $220K | 2.9% | |
| 3 | Idaho Central CUChubbuck, ID | 248 | $161M | 9.0% | $302K | 0.0% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 216 | $36.9M | 7.8% | $45K | 6.2% | |
| 5 | Columbia BankLake Oswego, OR | 197 | $34.5M | 7.1% | $50K | 7.9% | |
| 6 | D. L. Evans BankBurley, ID | 121 | $15.3M | 4.4% | $100K | 0.7% | |
| 7 | Mountain America FCUSandy, UT | 101 | $34.2M | 3.6% | $70K | 3.6% | |
| 8 | The Huntington National BankColumbus, OH | 92 | $28.1M | 3.3% | $92K | 5.7% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 85 | $15.5M | 3.1% | $15K | 7.9% | |
| 10 | Washington Trust BankSpokane, WA | 76 | $46.7M | 2.7% | $250K | 1.9% | |
| 11 | The Bank of CommerceIdaho Falls, ID | 68 | $15.6M | 2.5% | $145K | 3.6% | |
| 12 | Banner BankWalla Walla, WA | 63 | $13.2M | 2.3% | $100K | 3.2% | |
| 13 | First Interstate BankBillings, MT | 48 | $28.0M | 1.7% | $222K | 5.7% | |
| 14 | KeyBank National AssociationCleveland, OH | 45 | $6.8M | 1.6% | $75K | 4.3% | |
| 15 | Montana Community Development Corp.Missoula, MT | 45 | $6.7M | 1.6% | $104K | 5.3% | |
| 16 | Newtek Bank, National AssociationMiami, FL | 44 | $26.6M | 1.6% | $225K | — | |
| 17 | Live Oak Banking CompanyWilmington, NC | 39 | $58.7M | 1.4% | $850K | 2.2% | |
| 18 | Readycap Lending, LLCBerkeley Heights, NJ | 39 | $12.3M | 1.4% | $138K | 4.3% | |
| 19 | BayFirst National BankSaint Petersburg, FL | 38 | $5.1M | 1.4% | $150K | 19.2% | |
| 20 | America First Federal Credit UnionRiverdale, UT | 36 | $38.7M | 1.3% | $563K | 2.0% | |
| 21 | Northeast BankLewiston, ME | 35 | $5.2M | 1.3% | $106K | 12.8% | |
| 22 | Celtic Bank CorporationSalt Lake City, UT | 34 | $32.1M | 1.2% | $150K | 17.0% | |
| 23 | Northwest BankBoise, ID | 26 | $17.7M | 0.9% | $517K | 3.9% | |
| 24 | bankcdaCoeur D'alene, ID | 24 | $16.8M | 0.9% | $320K | 9.2% | |
| 25 | Idaho First BankMcCall, ID | 24 | $13.4M | 0.9% | $225K | 4.1% | |
| 26 | Community Banks of Colorado, A Division of NBH BankGreenwood Village, CO | 22 | $16.1M | 0.8% | $500K | 4.0% | |
| 27 | Numerica CUSpokane Valley, WA | 21 | $16.6M | 0.8% | $273K | 7.1% | |
| 28 | United Midwest Savings Bank National AssociationDe Graff, OH | 19 | $3.1M | 0.7% | $150K | 15.9% | |
| 29 | First Merchants BankIndianapolis, IN | 18 | $16.1M | 0.6% | $350K | 5.0% | |
| 30 | Citizens BankElizabethton, TN | 16 | $21.0M | 0.6% | $495K | 5.4% | |
| 31 | First Federal Savings BankTwin Falls, ID | 14 | $15.4M | 0.5% | $594K | — | |
| 32 | Idaho Trust BankBoise, ID | 13 | $5.9M | 0.5% | $350K | — | |
| 33 | Cache Valley BankLogan, UT | 12 | $4.6M | 0.4% | $204K | 4.1% | |
| 34 | Newtek Small Business Finance, Inc.Lake Success, NY | 11 | $10.6M | 0.4% | $300K | 6.8% | |
| 35 | First Bank of the LakeOsage Beach, MO | 10 | $17.5M | 0.4% | $350K | 2.7% | |
| 36 | BMO Bank National AssociationChicago, IL | 10 | $10.9M | 0.4% | $512K | 2.9% | |
| 37 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 9 | $9.1M | 0.3% | $623K | 6.4% | |
| 38 | Enterprise Bank & TrustClayton, MO | 8 | $6.1M | 0.3% | $941K | 1.1% | |
| 39 | RiverBankSpokane, WA | 8 | $4.7M | 0.3% | $371K | — | |
| 40 | WaFd BankSeattle, WA | 7 | $215K | 0.3% | $18K | — |
504 certified development companies
| # | Lender | Approvals in ID, FY2021–25 | Dollars | Share | Median approval, all states | FY2016–26 | Charged off, FY2010–21 loans |
|---|---|---|---|---|---|---|---|
| 1 | Capital Matrix, Inc.Boise, ID · 504 CDC | 252 | $194M | 47.9% | $520K | 0.5% | |
| 2 | Region IV Development CorporationTwin Falls, ID · 504 CDC | 74 | $52.7M | 14.1% | $364K | 0.0% | |
| 3 | East-Central Idaho Development CompanyRexburg, ID · 504 CDC | 62 | $55.2M | 11.8% | $543K | 0.0% | |
| 4 | Mountain West Small Business FinanceSalt Lake City, UT · 504 CDC | 50 | $32.4M | 9.5% | $684K | 0.6% | |
| 5 | Panhandle Area Council, Inc.Hayden, ID · 504 CDC | 41 | $37.0M | 7.8% | $521K | — | |
| 6 | Eastern Idaho Development CorporationPocatello, ID · 504 CDC | 22 | $12.1M | 4.2% | $343K | 1.1% | |
| 7 | Northwest Business Development AssociationSpokane Valley, WA · 504 CDC | 12 | $12.2M | 2.3% | $708K | 0.9% | |
| 8 | Evergreen Business CapitalSeattle, WA · 504 CDC | 7 | $12.9M | 1.3% | $618K | 0.8% | |
| 9 | Intermountain Business Lending, Inc.Ogden, UT · 504 CDC | 4 | $1.5M | 0.8% | $662K | 0.5% | |
| 10 | Ameritrust CDCEdmonds, WA · 504 CDC | 2 | — | 0.4% | $743K | 0.3% |
Fiscal-year ledger
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 469 | $183M | $135K | 79 | $74.4M | 548 | 4,481 |
| FY2025 | 813 | $291M | $122K | 91 | $73.0M | 904 | 7,013 |
| FY2024 | 644 | $219M | $100K | 71 | $58.1M | 715 | 5,618 |
| FY2023 | 455 | $204M | $150K | 80 | $73.1M | 535 | 5,780 |
| FY2022 | 419 | $190M | $150K | 115 | $106M | 534 | 5,733 |
| FY2021 | 439 | $280M | $262K | 169 | $103M | 608 | 6,339 |
| FY2020 | 369 | $130M | $104K | 129 | $70.2M | 498 | 4,219 |
| FY2019 | 445 | $154M | $124K | 97 | $42.6M | 542 | 4,300 |
| FY2018 | 520 | $160M | $100K | 102 | $44.5M | 622 | 4,744 |
| FY2017 | 670 | $199M | $100K | 105 | $65.5M | 775 | 7,197 |
| FY2016 | 539 | $143M | $100K | 76 | $42.8M | 615 | 4,941 |
7(a) approvals504 approvals
Counties
Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.
| # | County | Approvals | Dollars | Establishments | Per 1,000 establishments | By fiscal year |
|---|---|---|---|---|---|---|
| 1 | Ada County | 1,096 | $590M | 17,028 | 64.4 | |
| 2 | Kootenai County | 365 | $217M | 6,221 | 58.7 | |
| 3 | Canyon County | 361 | $204M | 5,933 | 60.8 | |
| 4 | Bonneville County | 246 | $113M | 4,197 | 58.6 | |
| 5 | Bannock County | 146 | $57.3M | 2,353 | 62.0 | |
| 6 | Bonner County | 144 | $29.0M | 1,833 | 78.6 | |
| 7 | Twin Falls County | 100 | $43.6M | 3,026 | 33.0 | |
| 8 | Bingham County | 94 | $26.9M | 1,020 | 92.2 | |
| 9 | Blaine County | 91 | $56.1M | 1,688 | 53.9 | |
| 10 | Jefferson County | 62 | $21.0M | 739 | 83.9 | |
| 11 | Madison County | 51 | $28.0M | 1,113 | 45.8 | |
| 12 | Payette County | 41 | $16.2M | 619 | 66.2 | |
| 13 | Latah County | 38 | $14.4M | 1,046 | 36.3 | |
| 14 | Valley County | 36 | $12.1M | 747 | 48.2 | |
| 15 | Nez Perce County | 35 | $26.2M | 1,213 | 28.9 | |
| 16 | Teton County | 29 | $9.7M | 658 | 44.1 | |
| 17 | Cassia County | 28 | $12.1M | 773 | 36.2 | |
| 18 | Fremont County | 28 | $15.7M | 395 | 70.9 | |
| 19 | Gem County | 24 | $9.2M | 510 | 47.1 | |
| 20 | Boundary County | 22 | $5.0M | 439 | 50.1 | |
| 21 | Benewah County | 21 | $2.6M | 275 | 76.4 | |
| 22 | Washington County | 21 | $2.9M | 222 | 94.6 | |
| 23 | Franklin County | 19 | $4.7M | 372 | 51.1 | |
| 24 | Elmore County | 19 | $7.1M | 477 | 39.8 | |
| 25 | Idaho County | 19 | $3.6M | 521 | 36.5 | |
| 26 | Jerome County | 17 | $11.8M | 634 | 26.8 | |
| 27 | Shoshone County | 16 | $6.9M | 360 | 44.4 | |
| 28 | Boise County | 16 | $9.9M | 200 | 80.0 | |
| 29 | Gooding County | 14 | $4.3M | 360 | 38.9 | |
| 30 | Bear Lake County | 14 | $5.6M | 168 | 83.3 | |
| 31 | Owyhee County | 13 | $5.3M | 262 | 49.6 | |
| 32 | Lemhi County | 13 | $7.5M | 307 | 42.3 | |
| 33 | Minidoka County | 13 | $9.5M | 491 | 26.5 | |
| 34 | Custer County | 10 | $3.4M | 192 | 52.1 | |
| 35 | Adams County | 9 | $677K | 119 | 75.6 | |
| 36 | Caribou County | 6 | $1.0M | 196 | 30.6 | |
| 37 | Lewis County | 4 | $890K | 109 | 36.7 | |
| 38 | Clearwater County | 3 | $175K | 246 | 12.2 | |
| 39 | Power County | 3 | $432K | 177 | 16.9 | |
| 40 | Oneida County | 3 | $569K | 100 | 30.0 | |
| 41 | Lincoln County | 3 | $175K | 106 | 28.3 | |
| 42 | Butte County | 2 | — | 56 | 35.7 | |
| 43 | Camas County | 1 | — | 44 | 22.7 |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 247 | $122M | 7.5% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 142 | $64.0M | 4.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 139 | $39.6M | 4.2% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 124 | $42.1M | 3.8% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 122 | $75.5M | 3.7% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 106 | $35.7M | 3.2% | |
| 7 | Residential Building ConstructionNAICS 2361 | 95 | $20.4M | 2.9% | |
| 8 | Personal Care ServicesNAICS 8121 | 91 | $22.4M | 2.8% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 86 | $48.0M | 2.6% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 81 | $20.4M | 2.5% | |
| 11 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 72 | $18.2M | 2.2% | |
| 12 | General Freight TruckingNAICS 4841 | 65 | $18.8M | 2.0% | |
| 13 | Architectural, Engineering, and Related ServicesNAICS 5413 | 48 | $29.1M | 1.5% | |
| 14 | Offices of PhysiciansNAICS 6211 | 48 | $22.5M | 1.5% | |
| 15 | Lessors of Real EstateNAICS 5311 | 46 | $64.0M | 1.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 593 | 18.0% | |
| 2 | Retail Trade | 375 | 11.4% | |
| 3 | Health Care and Social Assistance | 359 | 10.9% | |
| 4 | Accommodation and Food Services | 344 | 10.4% | |
| 5 | Other Services (except Public Administration) | 312 | 9.5% | |
| 6 | Manufacturing | 263 | 8.0% | |
| 7 | Professional, Scientific, and Technical Services | 230 | 7.0% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 170 | 5.2% | |
| 9 | Transportation and Warehousing | 127 | 3.9% | |
| 10 | Real Estate and Rental and Leasing | 123 | 3.7% |
Franchise brands
| # | Brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The UPS Store | 7 | 0.2% | |
| 2 | Jackson Food Stores, Inc. | 6 | 0.2% | |
| 3 | Crumbl | 6 | 0.2% | |
| 4 | Jamba | 4 | 0.1% | |
| 5 | Tire Factory | 4 | 0.1% | |
| 6 | Menchie's | 4 | 0.1% | |
| 7 | Section 37 Axe Room | 4 | 0.1% | |
| 8 | Sylvan Learning Centers | 4 | 0.1% | |
| 9 | Christensen Inc. dba Powell Product Sales Agreement | 3 | 0.1% | |
| 10 | ServiceMaster | 3 | 0.1% |
How earlier loans turned out
| Loans approved FY2010–FY2021 | ID 7(a) | US 7(a) | ID 504 | US 504 |
|---|---|---|---|---|
| Approvals in these years | 6,024 | 639,905 | 1,171 | 85,591 |
| Cancelled or never disbursed | 711 | 79,313 | 117 | 12,514 |
| Disbursed loans | 5,313 | 560,592 | 1,054 | 73,077 |
| Paid in full | 4,503 | 435,813 | 512 | 35,491 |
| Charged off | 192 | 36,891 | 5 | 905 |
| Still outstanding (status exempt from disclosure) | 618 | 87,888 | 537 | 36,681 |
| Charged off, share of disbursed loans | 3.6% | 6.6% | 0.5% | 1.2% |
| Dollars charged off, share of disbursed dollars | 1.5% | 2.5% | 0.6% | 0.9% |
| Dollars charged off | $24.0M | $5.70bn | $3.2M | $499M |
Approval sizes
- $50,000 or less28.2%928
- $50,001 to $150,00019.9%655
- $150,001 to $350,00018.1%597
- $350,001 to $1 million21.3%703
- $1 million to $2 million7.0%230
- Over $2 million5.6%183
Age of the businesses
- Existing, more than 2 years old54.3%1,790
- New business, 2 years or less18.6%612
- Startup, loan funds will open the business17.8%587
- Change of ownership9.3%306
- Not answered0.0%1
Against the country
| FY2021–FY2025 | Idaho | United States |
|---|---|---|
| Approvals per 1,000 establishments | 56.7 | 41.0 |
| Median 7(a) approval | $149K | $190K |
| Median 504 approval | $501K | $657K |
| 504 share of approvals | 16.0% | 11.0% |
| Jobs supported per approval, as reported | 9.2 | 10.5 |
| Approvals, change on FY2016–FY2020 | 8% | 10% |
Questions and answers
Which lenders make the most SBA loans in Idaho?
By 7(a) approvals in FY2021 to FY2025: Zions Bank, A Division of (383), Glacier Bank (268), Idaho Central CU (248), U.S. Bank, National Association (216), Columbia Bank (197). For 504 loans: Capital Matrix, Inc. (252), Region IV Development Corporation (74), East-Central Idaho Development Company (62). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Idaho?
The median 7(a) approval was $149K and the median 504 approval $501K; the average across both programs was $484K.
Which industries get the most SBA loans in Idaho?
Restaurants and Other Eating Places (247); Other Specialty Trade Contractors (142); Offices of Other Health Practitioners (139); Building Equipment Contractors (124); Automotive Repair and Maintenance (122).
Which Idaho counties receive the most SBA loans?
Ada County (1,096), Kootenai County (365), Canyon County (361), Bonneville County (246), Bannock County (146), by approvals in FY2021 to FY2025.
Is SBA lending in Idaho rising?
Approvals in the three latest complete fiscal years total 2,154, against 1,640 in the three before: rising (+31%).
What share of SBA loans in Idaho are charged off?
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 3.6% are recorded as charged off (national: 6.6%); for 504 loans the figure is 0.5% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.
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