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Term Operating Capital Loan

As cash flow fluctuates and financial needs change, your business may need to get a boost from a capital injection. Funds from a Term Operating Capital Loan can be used to help you get a handle on your business operations and provide the business with much-needed funding.

  • Annual and seasonal loans available
  • Competitive fixed or variable interest rates
  • Flexible terms
  • Regular repayment schedule
  • Money provided as upfront lump sum
  • Local decision-making
  • Friendly, personal service

Term Equipment Loan

Is your equipment outdated? Need more gear to meet a growth in demand? If your best piece of equipment is being held together with baling twine and duct tape, it may be time to consider an upgrade. Don't let substandard equipment get in the way of success. Work with one of our talented lenders to obtain a loan custom-built for your company to purchase fixed assets.

  • Competitive fixed or variable interest rates
  • Flexible terms
  • Regular repayment schedule
  • Money provided as upfront lump sum
  • Idaho-based decision-making
  • Friendly, personal service

SBA & FSA Loans

We offer a variety of loans to give your new or expanding business the capital it needs to thrive. Options include SBA 7(a), 504 and SBA Express loan programs, as well as Rural Development, FSA and Farmer Mac loan programs. These programs provide an additional channel for your business to get the financing it needs.

  • Special loan programs for small and growing businesses
  • Expedited financing approvals
  • Low down payment options
  • Highly competitive interest rates
  • Flexible repayment terms
  • Idaho-based decision-making
  • Friendly, personal service
  • Guaranteed and backed by the U.S. Small Business Administration or similar agency
  • Find out more about our SBA loans

Eagle Business Line of Credit

Sometimes, unexpected needs arise for a business. Having quick access to funds can be a life-saver. That's where a product like our Eagle Business Line of Credit can play a pivotal role. It will provide your business with the supplemental funds needed to cover those unexpected expenses should they arise. The credit line can be customized based on your business' anticipated needs and credit qualifications.

  • Competitive variable interest rate
  • Renewed access to funds as the balance is repaid
  • Easy access to funds through check or telephone transfer
  • Can be set up to protect your business checking account against overdrafts
  • May be secured or unsecured, depending on credit qualifications
  • Available in amounts of $5,000 to $25,000

Commercial Real Estate Loans

Real estate can be a wise investment. We can help you build or buy a place to hang your shingle with a construction loan or traditional term loan. We also do loans on income-producing properties. With competitive rates and flexible terms, Bank of Idaho stands ready to help you invest in your business' new home. When you're ready to discuss financing for your commercial real estate purchase, our experts are prepared to guide you through the process.

  • Competitive fixed or variable interest rates
  • Payments structured to meet your budget
  • True local market knowledge
  • Idaho-based decision-making
  • Expertise in all commercial real estate needs:
    • Purchase
    • Refinance
    • Construction loans
    • Expansion of existing facilities
    • Investment properties

Business Operating Line of Credit

In a pinch for some operating money? Do you miss out on discounts with your vendors due to timing differences in collecting your receivables? Our Business Operating Line of Credit is designed to provide short-term support when a little extra cash is necessary. If your business has a temporary need to cover operating costs while you wait to collect on your accounts, this line of credit may be the perfect solution.

  • An asset-based line of credit
  • Line may be used to accommodate seasonal fluctuations
  • Ideal source for short-term working capital
  • Helps evenly distribute and better manage cash flow
  • Credit limits set according to business needs and collateral assets
  • Designed to accommodate larger credit needs for small business owners

Business Letters of Credit

A Standby Letter of Credit (SLOC) is a guarantee of payment by a bank on behalf of their customer (you). It is considered a loan of last resort in which the bank fulfills payment on a contract to an interested third party (usually a vendor or client to you, the customer).

Similar to holding funds in escrow, this Letter of Credit protects all parties engaged through the issuance of a line of credit that may be drawn against in the event funding is required. Because of the irrevocable commitment to lend, this type of credit generally requires strong financial backing and collateral.

Agriculture Loans

Agriculture is one of our state's major industries, and we want to see local farmers and ranchers succeed. One of our specialized agriculture lenders will work closely with you to customize a loan for your immediate or long-term needs. Our options include seasonal operating lines of credit, equipment loans, term loans, and revolving lines of credit.

Loans designed specifically for agricultural needs including

    • Livestock Lines
    • Crop Production Lines
    • Term Equipment and facilities
    • And more...
  • Low, competitive interest rates
  • Flexible repayment terms
  • Local decision-making
  • Friendly, personal service
  • Experienced ag lenders