# Small business loans in Coeur d'Alene, ID

**Short answer:** The most active SBA lenders in Coeur d'Alene, ID since FY2024 are Glacier Bank (12 loans) and Wells Fargo Bank (7). The median loan was $150,000, and half fell between $50,000 and $428,000. For free help, see the Idaho SBDC. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/idaho-small-business-loans/coeur-d-alene/
Data as of: 2026-06-30

## Lenders making SBA loans in Coeur d'Alene

No lender made more than 18% of the loans in Coeur d'Alene, and Glacier Bank made the most. The four largest lenders together made 46%.

**Lenders with five or more SBA loans in Coeur d'Alene, ID, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [Glacier Bank](https://www.sbaexpress.loans/sba-express-lenders/glacier-bank/) | 12 | 17.9% |
| [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/) | 7 | 10.4% |
| [Columbia Bank](https://www.sbaexpress.loans/sba-express-lenders/columbia-bank/idaho/) | 6 | 9.0% |
| [Idaho Central Credit Union](https://www.sbaexpress.loans/sba-express-lenders/idaho-central-credit-union/): Credit union | 6 | 9.0% |

Share is the percent of all Coeur d'Alene loans in that period. Each name links to that lender's page for Idaho where one exists.

Coeur d'Alene has four lenders with five or more loans since FY2024. Others had fewer, and the Idaho page counts 103 lenders with at least one approved loan statewide.

## Local help near Coeur d'Alene

Coeur d'Alene borrowers can start with SBA's district offices for Idaho, an SBDC or SCORE.

57% of Coeur d'Alene 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.

- [SBA Boise District Office (serves southern Idaho): SBA district office](https://www.sba.gov/district/boise)
- [SBA Seattle District Office (serves northern Idaho): SBA district office](https://www.sba.gov/district/seattle)
- [Idaho SBDC (Boise State University): Small Business Development Center](https://idahosbdc.org/)
- [SCORE mentors in Idaho: Business mentoring](https://www.score.org/id/)

Alongside SBA loans, Idaho runs a loan program. The [Idaho page](https://www.sbaexpress.loans/idaho-small-business-loans/#loan-programs-in-idaho) describes it, and the official page is linked here.

- [Idaho Collateral Support Program](https://www.idahohousing.com/partners/project-financing/collateral-support-program/)

## Loan counts and sizes in Coeur d'Alene

Coeur d'Alene ranks 5th by loans since FY2024 among the 7 Idaho cities with 100 or more SBA loans since FY2020. Nationally it is the 386th busiest of the 580 cities that reach 100 loans.

The 67 loans, 3.8% of the 1,758 in Idaho, were approved for $25.8 million in all. The median loan was $150,000, close to the national median of $150,300. Half of the loans fell between $50,000 and $428,000. The Coeur d'Alene median is 26% above the Idaho median of $119,300.

**Coeur d'Alene, ID compared with Idaho and the nation, loans from FY2024 to June 2026**

| Measure | Coeur d'Alene | Idaho | U.S. |
| --- | --- | --- | --- |
| Loans | 67 | 1,758 | 162,355 |
| Median loan | $150,000 | $119,300 | $150,300 |
| 25th percentile | $50,000 | $50,000 | $50,000 |
| 75th percentile | $428,000 | $350,000 | $500,000 |
| Via SBA Express | 38.8% | 45.8% | 35.8% |
| Lines of credit | 34.3% | 38.2% | 28.1% |
| Startups | 28.4% | 17.1% | 16.1% |
| Ownership changes | 10.4% | 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.

81% of the loans were $500,000 or less, the size SBA Express covers. 38.8% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 34.3% of loans, above the national 28.1%.

SBA loans in Coeur d'Alene, ID by size, FY2024 to June 2026

- $50,000 or less (33%): 22
- $50,001 to $150,000 (21%): 14
- $150,001 to $350,000 (15%): 10
- $350,001 to $500,000 (12%): 8
- $500,001 to $1,000,000 (7%): 5
- $1,000,001 to $2,000,000 (9%): 6
- Over $2,000,000: Fewer than 5

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 32.8% of loans went to businesses more than two years old and 28.4% to businesses two years old or younger. Startups received 28.4% and changes of ownership 10.4%. The national startup share is 16.1%.

SBA loans in Coeur d'Alene, ID by fiscal year

- FY2020: 15
- FY2021: 19
- FY2022: 10
- FY2023: 19
- FY2024: 29
- FY2025: 28
- FY2026 (through June 30): 10

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume held steady from FY2024 (29 loans) to FY2025 (28), the two latest full years. The busiest full year in the file was FY2024, with 29 loans. FY2026 already shows 10 loans through June 30.

Of the 44 loans Coeur d'Alene borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 447 jobs supported across the 67 loans since FY2024, about 6.7 per loan. SBA does not audit these estimates.

## What businesses in Coeur d'Alene borrow for

Limited-Service Restaurants was the largest borrower group in Coeur d'Alene since FY2020, with 7 loans or 5.4% of the total.

The five largest industries made up 23% of all Coeur d'Alene loans since FY2020.

**Industries with the most SBA loans in Coeur d'Alene, ID, FY2020 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 7 | 5.4% | 3.3% |
| [Fitness and Recreational Sports Centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/) | 6 | 4.6% | 2.1% |
| [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 6 | 4.6% | 4.6% |
| [Offices of Dentists](https://www.sbaexpress.loans/industries/offices-of-dentists/) | 6 | 4.6% | 1.1% |
| [Home Health Care Services](https://www.sbaexpress.loans/industries/home-health-care-services/) | 5 | 3.8% | 1.0% |

Share is the percent of all Coeur d'Alene 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 Coeur d'Alene

The median Coeur d'Alene loan was $150,000 with a median term of 10 years.

The median variable-rate loan in Coeur d'Alene 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.

**Payment at today's rate on three Coeur d'Alene loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $50,000 | $654 |
| Median loan | $150,000 | $1,962 |
| 75th percentile loan | $428,000 | $5,597 |

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).

Coeur d'Alene loans approved since FY2024 had a median starting rate of 10% at approval, against 10.25% nationally. 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](https://www.sbaexpress.loans/loan-amounts/150000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Coeur d'Alene

Coeur d'Alene has 14 SBA 504 loans since FY2020, with $8.1 million in SBA and CDC dollars.

Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.

Capital Matrix, Inc. is the one Certified Development Company (CDC) named on five or more loans, 8 since FY2020.

**CDCs named on five or more 504 loans in Coeur d'Alene, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Capital Matrix, Inc. | 8 |

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 capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## Idaho cities near Coeur d'Alene

Coeur d'Alene made up 3.8% of Idaho's SBA loans since FY2024.

Coeur d'Alene is one of 7 Idaho cities with 100 or more SBA loans since FY2020. The [Idaho page](https://www.sbaexpress.loans/idaho-small-business-loans/) covers all 1,758 loans in Idaho. The closest come first, ranked by county and ZIP code on their loans.

- [Post Falls: 48 loans, median $150,000](https://www.sbaexpress.loans/idaho-small-business-loans/post-falls/)
- [Boise: 290 loans, median $150,000](https://www.sbaexpress.loans/idaho-small-business-loans/boise/)
- [Nampa: 116 loans, median $109,500](https://www.sbaexpress.loans/idaho-small-business-loans/nampa/)
- [Meridian: 172 loans, median $150,000](https://www.sbaexpress.loans/idaho-small-business-loans/meridian/)
- [Idaho Falls: 121 loans, median $120,000](https://www.sbaexpress.loans/idaho-small-business-loans/idaho-falls/)
- [Pocatello: 51 loans, median $100,000](https://www.sbaexpress.loans/idaho-small-business-loans/pocatello/)

## Common questions about SBA loans in Coeur d'Alene

### Which lenders make the most SBA loans in Coeur d'Alene?

Glacier Bank leads with 12 loans in Coeur d'Alene since FY2024. Wells Fargo Bank (7) and Columbia Bank (6) follow. Only lenders with five or more Coeur d'Alene loans are counted.

### Which industries get SBA loans in Coeur d'Alene?

Limited-Service Restaurants leads with 7 loans in Coeur d'Alene since FY2020. Fitness and Recreational Sports Centers (6) and Full-Service Restaurants (6) 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](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA Boise District Office (serves southern Idaho)](https://www.sba.gov/district/boise)
- [SBA Seattle District Office (serves northern Idaho)](https://www.sba.gov/district/seattle)
- [Idaho SBDC (Boise State University)](https://idahosbdc.org/)
- [SCORE, Idaho](https://www.score.org/id/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)