Small business loans in Pocatello, ID
Short answer
The most active SBA lenders in Pocatello, ID since FY2024 are Zions Bank (18 loans) and Idaho Central Credit Union (8). The median loan was $100,000, and half fell between $39,250 and $207,000. For free help, see the Idaho SBDC. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 51
- approved since FY2024
- $10.96M
- median loan
- $100,000
- through SBA Express
- 33.3%
Lenders making SBA loans in Pocatello
Zions Bank made the most loans in Pocatello, 35% of the total. The three largest lenders together made 63%.
| Lender | Loans | Share |
|---|---|---|
| Zions Bank | 18 | 35.3% |
| Idaho Central Credit UnionCredit union | 8 | 15.7% |
| Mountain America Credit UnionCredit union | 6 | 11.8% |
Share is the percent of all Pocatello loans in that period. Each name links to that lender's page for Idaho where one exists.
Pocatello has three 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.
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Local help near Pocatello
Pocatello borrowers can start with SBA's district offices for Idaho, an SBDC or SCORE.
49% of Pocatello 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
- 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 Pocatello
Pocatello ranks 6th by loans since FY2024 among the 7 Idaho cities with 100 or more SBA loans since FY2020. Nationally it is the 523rd busiest of the 580 cities that reach 100 loans.
The 51 loans, 2.9% of the 1,758 in Idaho, were approved for $11.0 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $100,000, 33% below the national median of $150,300. Half of the loans fell between $39,250 and $207,000. The Pocatello median is 16% below the Idaho median of $119,300.
| Measure | Pocatello | Idaho | U.S. |
|---|---|---|---|
| Loans | 51 | 1,758 | 162,355 |
| Median loan | $100,000 | $119,300 | $150,300 |
| 25th percentile | $39,250 | $50,000 | $50,000 |
| 75th percentile | $207,000 | $350,000 | $500,000 |
| Via SBA Express | 33.3% | 45.8% | 35.8% |
| Lines of credit | 27.5% | 38.2% | 28.1% |
| Startups | 27.5% | 17.1% | 16.1% |
| Ownership changes | n/a | 8.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.5 | 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.
33.3% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 27.5% of loans, close to the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 62% from FY2024 (16 loans) to FY2025 (26), the two latest full years. The busiest full year in the file was FY2025, with 26 loans. FY2026 already shows 9 loans through June 30.
Of the 40 loans Pocatello 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 366 jobs supported across the 51 loans since FY2024, about 7.2 per loan. SBA does not audit these estimates.
What businesses in Pocatello borrow for
Full-Service Restaurants was the largest borrower group in Pocatello since FY2020, with 5 loans or 4.9% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 5 | 4.9% | 4.6% |
| Snack and Nonalcoholic Beverage Bars | 5 | 4.9% | 1.6% |
Share is the percent of all Pocatello 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 Pocatello
The median Pocatello loan was $100,000 with a median term of 10 years.
The median variable-rate loan in Pocatello was priced at Prime plus 2.5 percentage points at approval. At today's Prime that spread works out to 9.50%. On $100,000 over 10 years, principal and interest would come to about $1,294 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $39,250 | $508 |
| Median loan | $100,000 | $1,294 |
| 75th percentile loan | $207,000 | $2,679 |
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 $100,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.5 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Pocatello 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 $100,000 loan and SBA Express payment calculator.
SBA 504 loans near Pocatello
Pocatello has 8 SBA 504 loans since FY2024, with $7.4 million in SBA and CDC dollars.
The median 504 loan in Pocatello was $464,500 in SBA and CDC dollars, 9% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Eastern Idaho Development Corporation is the Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on the most loans since FY2020, with 9. East-Central Idaho Development Company follows with 7. The three CDCs listed are named on 21 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Eastern Idaho Development Corporation | 9 |
| East-Central Idaho Development Company | 7 |
| Capital Matrix, Inc. | 5 |
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 Pocatello
Pocatello made up 2.9% of Idaho's SBA loans since FY2024.
Pocatello 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 Pocatello
Which lenders make the most SBA loans in Pocatello?
Zions Bank leads with 18 loans in Pocatello since FY2024. Idaho Central Credit Union (8) and Mountain America Credit Union (6) follow. Only lenders with five or more Pocatello loans are counted.
Which industries get SBA loans in Pocatello?
Full-Service Restaurants leads with 5 loans in Pocatello since FY2020. Snack and Nonalcoholic Beverage Bars (5) follows.
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 Pocatello, ID. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/idaho-small-business-loans/pocatello/
Ask lending partners about a loan in Pocatello
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.