Small business loans in Boise, ID
Short answer
The most active SBA lenders in Boise, ID since FY2024 are Idaho Central Credit Union (44 loans) and Zions Bank (44). The median loan was $150,000, and half fell between $50,000 and $485,275. For free help, see the Idaho SBDC. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 290
- approved since FY2024
- $116.7M
- median loan
- $150,000
- through SBA Express
- 40.3%
Lenders making SBA loans in Boise
No lender made more than 15% of the loans in Boise, and Idaho Central Credit Union made the most. The five largest lenders together made 47%.
| Lender | Loans | Share |
|---|---|---|
| Idaho Central Credit UnionCredit union | 44 | 15.2% |
| Zions Bank | 44 | 15.2% |
| U.S. Bank | 20 | 6.9% |
| Columbia Bank | 17 | 5.9% |
| Mountain America Credit UnionCredit union | 11 | 3.8% |
Share is the percent of all Boise loans in that period. Each name links to that lender's page for Idaho where one exists.
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Local help near Boise
Boise borrowers can start with SBA's district offices for Idaho, an SBDC or SCORE.
32% of Boise borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA runs two district offices that cover Idaho. Each page points to state and federal resources and to lenders in its area. The Idaho SBDC gives free counseling across Idaho. The SBA Boise District Office (serves southern Idaho) comes first below because its name matches Boise.
- SBA Boise District Office (serves southern Idaho)SBA district office
- SBA Seattle District Office (serves northern Idaho)SBA district office
- Idaho SBDC (Boise State University)Small Business Development Center
- SCORE mentors in IdahoBusiness mentoring
Alongside SBA loans, Idaho runs a loan program. The Idaho page describes it, and the official page is linked here.
Loan counts and sizes in Boise
Boise ranks 1st by loans since FY2024 among the 7 Idaho cities with 100 or more SBA loans since FY2020. Nationally it is the 43rd busiest of the 580 cities that reach 100 loans.
The 290 loans, 16.5% of the 1,758 in Idaho, were approved for $116.7 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $150,000, close to the national median of $150,300. Half of the loans fell between $50,000 and $485,275. The Boise median is 26% above the Idaho median of $119,300.
| Measure | Boise | Idaho | U.S. |
|---|---|---|---|
| Loans | 290 | 1,758 | 162,355 |
| Median loan | $150,000 | $119,300 | $150,300 |
| 25th percentile | $50,000 | $50,000 | $50,000 |
| 75th percentile | $485,275 | $350,000 | $500,000 |
| Via SBA Express | 40.3% | 45.8% | 35.8% |
| Lines of credit | 33.8% | 38.2% | 28.1% |
| Startups | 15.2% | 17.1% | 16.1% |
| Ownership changes | 12.4% | 8.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.5 | 2.75 |
| Charged off | Fewer than 5 | 1.4% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
78% of the loans were $500,000 or less, the size SBA Express covers. 40.3% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 33.8% of loans, above the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 55.2% of loans went to businesses more than two years old and 17.2% to businesses two years old or younger. Startups received 15.2% and changes of ownership 12.4%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 47% from FY2024 (90 loans) to FY2025 (132), the two latest full years. The busiest full year in the file was FY2025, with 132 loans. FY2026 already shows 68 loans through June 30.
Of the 186 loans Boise borrowers received in FY2020 to FY2022, fewer than 5 were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 3,262 jobs supported across the 290 loans since FY2024, about 11.2 per loan. SBA does not audit these estimates.
What businesses in Boise borrow for
Fitness and Recreational Sports Centers was the largest borrower group in Boise, with 11 loans or 3.8% of the total.
The five largest industries made up 16% of all Boise loans.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Fitness and Recreational Sports Centers | 11 | 3.8% | 2.1% |
| Full-Service Restaurants | 11 | 3.8% | 4.6% |
| Child Care Services | 10 | 3.4% | 1.5% |
| Beauty Salons | 7 | 2.4% | 1.5% |
| Marketing Consulting Services | 7 | 2.4% | 0.5% |
Share is the percent of all Boise loans in that period. Industry is the NAICS code on each loan. A name links to the Idaho page for that industry where one exists.
A typical loan payment in Boise
The median Boise loan was $150,000 with a median term of 10 years.
The median variable-rate loan in Boise was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $150,000 over 10 years, principal and interest would come to about $1,962 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $50,000 | $654 |
| Median loan | $150,000 | $1,962 |
| 75th percentile loan | $485,275 | $6,346 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $150,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Boise loans approved since FY2024 had a median starting rate of 10.25% at approval, matching the national median. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $150,000 loan and SBA Express payment calculator.
SBA 504 loans near Boise
Boise has 29 SBA 504 loans since FY2024, with $30.7 million in SBA and CDC dollars.
The median 504 loan in Boise was $669,000 in SBA and CDC dollars, 13% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Capital Matrix, Inc. is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 24 since FY2024.
| Certified Development Company | 504 loans |
|---|---|
| Capital Matrix, Inc. | 24 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Idaho cities near Boise
Boise made up 16.5% of Idaho's SBA loans since FY2024.
Boise is one of 7 Idaho cities with 100 or more SBA loans since FY2020. The Idaho page covers all 1,758 loans in Idaho. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Boise
Which lenders make the most SBA loans in Boise?
Idaho Central Credit Union leads with 44 loans in Boise since FY2024. Zions Bank (44) and U.S. Bank (20) follow. Only lenders with five or more Boise loans are counted.
Which industries get SBA loans in Boise?
Fitness and Recreational Sports Centers leads with 11 loans in Boise since FY2024. Full-Service Restaurants (11) and Child Care Services (10) follow.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Boise District Office (serves southern Idaho)
- SBA Seattle District Office (serves northern Idaho)
- Idaho SBDC (Boise State University)
- SCORE, Idaho
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Boise, ID. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/idaho-small-business-loans/boise/
Ask lending partners about a loan in Boise
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.