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Credit Card Account AccessWhether your business is well-established or it's time to launch your start up, we can support a wide range of financial demands. As you prepare to take the next step, you will work closely with a business lender who will help you sort through options and navigate the process to offer the best possible solution for your needs.
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
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.
Is your equipment outdated?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.
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.
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.
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.
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.
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.
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