SBA Loans Made Simple.

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Small Business Loans for Driven Business Owners

Running a business takes courage. We understand the chances you’re taking to build something, which is why we take the time to understand you and your business. By knowing what you want – and where you want to go – we can support you with the best advice and guidance throughout the entire SBA process.

Fast
Service

Local Decision Making

SBA
Preferred Lender

Fully Online Application Process

We remain
committed to you.

“Getting an SBA loan can be difficult. The Bank of Idaho team made it simple. They answered every question, even the ones I didn’t know to ask.”

Blaze Pizza | Boise, ID

Find the Loan That’s Best for You.

The chart below quickly outlines the differences between the main SBA loans. If you need help determining which one is best for you and your business, contact your local business loan expert.

In addition to the SBA loan options below, starting 10/01/2022, a new fee schedule waives SBA fees for loans $500,000 and below. These fees will continue to be waived through September 30^th of 2023.

SBA Loan Comparison (Rate Table)
Loan Type	Key Benefits	Best For
SBA Express Loan Provide loans to business for start-up or growth needs. Uses of funds include working capital, equipment, inventory, and property improvements. Loan funds can be structured as a Line of Credit or as a Term Loan with fixed or variable rates depending on the loan purpose.	Loan amounts up to $500M Maturities up to 10 years Competitive Interest Rates Collateral Flexibility Quick Approval	Working Capital Equipment Purchases Expansion Costs
CDC/SBA 504 Loan Provides SBA loans to small businesses looking to purchase or build owner-occupied commercial real estate.	Loan amounts up to $14 million to $20 million Terms up to 25 years	Owner-occupied commercial real estate purchase, construction, or renovation Purchase of other fixed assets
SBA 7(a) Business Loan Most popular SBA loan. Can be used for almost any business purpose. Popular due to their long repayment terms and low interest rates.	Loan amounts up to $5 million Terms up to 10 years for working capital Terms up to 25 years for commercial real estate	Working capital Equipment purchases Refinance debt Buy a business or franchise Buy commercial real estate
SBA CAPLines Loan Offers four SBA loan or line of credit products that are designed to help businesses meet their short-term and cyclical working capital needs.	Loan amounts up to $5 million Terms up to 10 years for seasonal, working capital & contract CAPLines Terms up to 5 years for builder CAPLines	Support short-term or seasonal working capital needs Fulfill contracts or purchase orders Perform construction or significant renovations on an eligible project

We remain committed to you.

"We were also really pleased with the way the whole loan process worked. You have earned our business! We’ll be telling all of our friends about you."

Jason and Kerri Allen | Artistic Tile & Granite

Meet Our SBA Loan Officers

Business lending is our passion. Turn to a trusted professional to ensure your financial needs are met with terms, rates and qualification standards that are a good fit for your business plan and budget. We are excited to work closely with your business as you look to advance and flourish.

Maigan Snider

VP, SBA Team Lead

Eastern WA and Northern ID

Klayton Thornton

SBA Loan Officer

Eastern Idaho

Lisa Vincent

VP, SBA Lender

Central Washington

SBA Loans
Made Simple.

Small Business Loans for Driven Business Owners

VOTED BEST BANK
IN THE STATE OF IDAHO

We remain
committed to you.

Find the Loan That’s Best for You.

We remain committed to you.