Lender intelligence

Most active SBA lenders in Idaho

Industry:

Idaho has 9 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 503 SBA 7(a) loans in Idaho in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance Idaho acquisitions

$541K

Typical loan

range $275K–$1.20M

$601K

Est. purchase price

≈ loan ÷ 90%

$80,340

Cash to close

$60,067 down + fees

$6,995/mo

Typical payment

~9.5% · 10yr

$96,531/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.5%

Still performing

0.5% default · FY20–23

15 days

Typical time to fund

Lenders competing

more = leverage

7.88%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

1.618 loans · $171M · Salt Lake City, UTFull record →
2.54 loans · $22M · Chubbuck, IDFull record →
3.13 loans · $18M · Roseburg, ORFull record →
4.34 loans · $26M · Kalispell, MTFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.3 loans · $2M · Minneapolis, MNFull record →
7.135 loans · $12M · Seattle, WAFull record →
8.1,296 loans · $1.4B · Wilmington, NCFull record →
9.9 loans · $2M · Burley, IDFull record →
10.83 loans · $31M · Sandy, UTFull record →
11.868 loans · $362M · Salt Lake City, UTFull record →
12.15 loans · $2M · Missoula, MTFull record →
13.3,264 loans · $846M · Miami, FLFull record →
14.18 loans · $19M · Las Vegas, NVFull record →
15.26 loans · $26M · Billings, MTFull record →
16.4 loans · $1M · White Castle, LAFull record →
17.1,025 loans · $292M · Berkeley Heights, NJFull record →
18.328 loans · $134M · Cleveland, OHFull record →
19.575 loans · $220M · De Graff, OHFull record →
20.44 loans · $25M · Spokane, WAFull record →
21.2 loans · $0M · Boise, IDFull record →
22.99 loans · $43M · Walla Walla, WAFull record →
23.34 loans · $12M · Wood River, NEFull record →
24.1 loans · $1M · Pocahontas, ARFull record →
25.78 loans · $79M · New Orleans, LAFull record →

361+ funded Idaho deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Pomerelle Mountain Resort LLC in Albion, ID — $4.6M (2026) · purchase · Lexicon Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.5M (75%)
Approved
11/24/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Skiing Facilities
If you were the buyer here
Est. deal size
$5.1M
Est. down payment (10%)
$514K
Est. cash at closing
$711K
Monthly payment
$39,608
Annual debt service
$475K
Cash flow needed (1.25×)
$594K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Lexicon Bank · Lender record →
Your business? Claim this record · Request removal
Meridian Advanced Psychiatry, LLC in Meridian, ID — $4.2M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.2M (75%)
Approval → funding
49 days
Approved
12/2/2025
First disbursed
1/20/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
70
Business age
Change of Ownership
Industry
Outpatient Mental Health and Substance Abuse Centers
If you were the buyer here
Est. deal size
$4.7M
Est. down payment (10%)
$468K
Est. cash at closing
$647K
Monthly payment
$51,103
Annual debt service
$613K
Cash flow needed (1.25×)
$767K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Wood Windows in Garden City, ID — $4.2M (2026) · purchase · First Interstate Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
158 months
SBA guaranteed
$3.2M (75%)
Approved
3/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$4.7M
Est. down payment (10%)
$468K
Est. cash at closing
$647K
Monthly payment
$42,604
Annual debt service
$511K
Cash flow needed (1.25×)
$639K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Interstate Bank · Lender record →
Your business? Claim this record · Request removal
Level 23, LLC in Eagle, ID — $2.6M (2026) · purchase · Banesco USA
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
5 days
Approved
11/14/2025
First disbursed
11/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Masonry Contractors
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$288K
Est. cash at closing
$397K
Monthly payment
$33,536
Annual debt service
$402K
Cash flow needed (1.25×)
$503K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Banesco USA · Lender record →
Your business? Claim this record · Request removal
Griffin North Co. in Ponderay, ID — $2.3M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.45% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
15 days
Approved
11/25/2025
First disbursed
12/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Metal Coating, Engraving (except Jewelry and Silverware), an
If you were the buyer here
Est. deal size
$2.6M
Est. down payment (10%)
$257K
Est. cash at closing
$354K
Monthly payment
$28,628
Annual debt service
$344K
Cash flow needed (1.25×)
$429K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Last Chance General Store in Island Park, ID — $2.0M (2026) · purchase · US Metro Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
15 days
Approved
12/22/2025
First disbursed
1/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$227K
Est. cash at closing
$312K
Monthly payment
$16,084
Annual debt service
$193K
Cash flow needed (1.25×)
$241K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by US Metro Bank · Lender record →
Your business? Claim this record · Request removal
Off White Designs LLC in Caldwell, ID — $1.0M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$777K (75%)
Approval → funding
9 days
Approved
11/17/2025
First disbursed
11/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$115K
Est. cash at closing
$158K
Monthly payment
$12,644
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Genesee Supermarkets in Genesee, ID — $1.0M (2026) · purchase · East West Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$769K (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Supermarkets and Other Grocery Retailers (except Convenience
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$114K
Est. cash at closing
$156K
Monthly payment
$8,082
Annual debt service
$97K
Cash flow needed (1.25×)
$121K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
Kompass Capital RJP, LLC in Ketchum, ID — $750K (2026) · purchase · D. L. Evans Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
14 days
Approved
12/23/2025
First disbursed
1/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Window Treatment Retailers
If you were the buyer here
Est. deal size
$833K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$8,903
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by D. L. Evans Bank · Lender record →
Your business? Claim this record · Request removal
DIGITAL TRAILHEAD LLC in Boise, ID — $653K (2026) · purchase · Lexicon Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$490K (75%)
Approved
3/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
All Other Telecommunications
If you were the buyer here
Est. deal size
$726K
Est. down payment (10%)
$73K
Est. cash at closing
$97K
Monthly payment
$8,361
Annual debt service
$100K
Cash flow needed (1.25×)
$125K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Lexicon Bank · Lender record →
Your business? Claim this record · Request removal
LAWD, INC. in Boise, ID — $563K (2026) · purchase · Community Banks of Colorado, A Division of NBH Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$422K (75%)
Approved
2/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$625K
Est. down payment (10%)
$63K
Est. cash at closing
$84K
Monthly payment
$6,974
Annual debt service
$84K
Cash flow needed (1.25×)
$105K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
Atkinson Law Post Falls PLLC in Post Falls, ID — $515K (2026) · purchase · Integro Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$386K (75%)
Approved
3/11/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Offices of Lawyers
If you were the buyer here
Est. deal size
$572K
Est. down payment (10%)
$57K
Est. cash at closing
$77K
Monthly payment
$6,735
Annual debt service
$81K
Cash flow needed (1.25×)
$101K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Integro Bank · Lender record →
Your business? Claim this record · Request removal
Manuk LLC in Meridian, ID — $500K (2026) · purchase · Grasshopper Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
21 days
Approved
1/23/2026
First disbursed
2/13/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
Child Care Services
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,470
Annual debt service
$78K
Cash flow needed (1.25×)
$97K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Grasshopper Bank National Association · Lender record →
Your business? Claim this record · Request removal
Dvorak Health LLC in Lewiston, ID — $494K (2026) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.1% variable
Term
120 mo (10 yrs)
SBA guaranteed
$370K (75%)
Approval → funding
6 days
Approved
1/23/2026
First disbursed
1/29/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$548K
Est. down payment (10%)
$55K
Est. cash at closing
$73K
Monthly payment
$5,755
Annual debt service
$69K
Cash flow needed (1.25×)
$86K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Sheets and Sons Investments LLC in Eagle, ID — $457K (2026) · purchase · Idaho Central CU
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$343K (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Furniture Retailers
If you were the buyer here
Est. deal size
$508K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,851
Annual debt service
$70K
Cash flow needed (1.25×)
$88K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Idaho Central CU · Lender record →
Your business? Claim this record · Request removal
Cappetto Holdings LLC in Meridian, ID — $402K (2026) · purchase · Idaho Central CU
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$302K (75%)
Approval → funding
42 days
Approved
11/24/2025
First disbursed
1/5/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Roofing Contractors
If you were the buyer here
Est. deal size
$447K
Est. down payment (10%)
$45K
Est. cash at closing
$60K
Monthly payment
$5,202
Annual debt service
$62K
Cash flow needed (1.25×)
$78K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Idaho Central CU · Lender record →
Your business? Claim this record · Request removal
BONNERS FERRY GLASS AND DOOR INC in Bonners Ferry, ID — $375K (2026) · purchase · Washington Trust Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$281K (75%)
Approval → funding
9 days
Approved
1/14/2026
First disbursed
1/23/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Glass and Glazing Contractors
If you were the buyer here
Est. deal size
$417K
Est. down payment (10%)
$42K
Est. cash at closing
$56K
Monthly payment
$4,500
Annual debt service
$54K
Cash flow needed (1.25×)
$68K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Washington Trust Bank · Lender record →
Your business? Claim this record · Request removal
Dressen Auto LLC in Boise, ID — $350K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
7 days
Approved
2/20/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,625
Annual debt service
$56K
Cash flow needed (1.25×)
$69K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Vine Wine LLC in Boise, ID — $266K (2026) · purchase · Idaho Central CU
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (75%)
Approved
3/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Retailers
If you were the buyer here
Est. deal size
$296K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,442
Annual debt service
$41K
Cash flow needed (1.25×)
$52K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Idaho Central CU · Lender record →
Your business? Claim this record · Request removal
Zolonis, LLC in Nampa, ID — $257K (2026) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$193K (75%)
Approval → funding
5 days
Approved
1/21/2026
First disbursed
1/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$286K
Est. down payment (10%)
$29K
Est. cash at closing
$38K
Monthly payment
$3,290
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal

Buying in Idaho? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

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By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a Idaho project address.

Agent summary

The SBA 7(a) lenders most active in Idaho over the trailing 12 months, from public loan records, led by Zions Bank, A Division of. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
503 Idaho loans (12 mo)
$541K typical acquisition loan
15 days typical to fund

Buyers buying in Idaho typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/state/idaho
API:: https://www.capbench.com/api/public/lenders?state=ID
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.