BlogRankingCityBest Boise, ID SBA Lenders & Rates of 2026

Best Boise, ID SBA Lenders & Rates of 2026

February 2, 2026
City, Ranking
2 min read

Best Boise, ID SBA Lenders & Rates of 2026

$46.8M
Total Funded

116
Loans Approved

$404K
Avg Loan Size

10.19%
Avg Interest Rate

32
Active Lenders

SBA Loans in Boise, ID

Boise, ID businesses received $46.8M in SBA 7(a) loan approvals across 116 businesses in 2025. With 32 active SBA lenders competing for business in Boise, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Boise is $404K, with rates averaging 10.19%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Boise SBA Loans by Business Type

🚀 Startups
28%
$11.6M • 33 loans

🏢 Existing Businesses
61%
$20.2M • 71 loans

🔄 Acquisitions
10%
$15.0M • 12 loans

Top SBA Lenders in Boise, ID (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Boise businesses:

Rank Lender Volume Loans Avg Rate
1 Idaho Central CU $12.5M 19 10.05%
2 MISSINGMAINBANKID $5.2M 2 9.66%
3 Zions Bank, A Division of $4.3M 21 9.75%
4 Live Oak Banking Company $3.3M 2 8.44%
5 The Huntington National Bank $3.1M 4 9.63%
6 Washington Trust Bank $2.8M 4 8.13%
7 Columbia Bank $2.0M 10 11.35%
8 First Federal Savings Bank $1.9M 2 9.50%
9 Citizens Bank $1.6M 2 10.25%
10 Celtic Bank Corporation $1.6M 1 9.75%
11 First Savings Bank $1.4M 2 10.25%
12 Idaho Trust Bank $975K 2 9.13%
13 Mission Valley Bank $880K 1 10.50%
14 Northeast Bank $739K 5 11.05%
15 Idaho First Bank $680K 1 9.50%
16 Bankwell Bank $500K 1 10.50%
17 Mountain America FCU $447K 2 11.25%
18 U.S. Bank, National Association $392K 9 10.88%
19 Northwest Bank $350K 1 9.50%
20 Cadence Bank $345K 2 10.25%
21 D. L. Evans Bank $275K 4 9.25%
22 BayFirst National Bank $225K 2 12.25%
23 Newtek Bank, National Association $200K 1 10.50%
24 Banner Bank $200K 1 8.50%
25 WaFd Bank $195K 6 11.67%
26 First Interstate Bank $178K 3 9.40%
27 Montana Community Development Corp. $150K 1 10.00%
28 United Midwest Savings Bank National Association $150K 1 10.00%
29 Heritage Bank $125K 1 9.00%
30 First Bank of the Lake $110K 1 13.00%
31 Glacier Bank $83K 1 8.50%
32 Wells Fargo Bank National Association $15K 1 12.00%

Top Industries in Boise

Here are the industries that received the most SBA funding in Boise:

Site Preparation Contractors

$5.0M
Volume

1
Loans

Ambulance Services

$3.9M
Volume

2
Loans

Child Day Care Services

$3.1M
Volume

4
Loans

Engineering Services

$2.4M
Volume

4
Loans

Funeral Homes and Funeral Services

$2.4M
Volume

2
Loans

Architectural Services

$1.6M
Volume

3
Loans

Private Mail Centers

$1.3M
Volume

1
Loans

Machine Shops

$1.2M
Volume

2
Loans

Residential Property Managers

$1.2M
Volume

3
Loans

SBA Loans in Idaho

Boise is part of Idaho‘s SBA lending market. For statewide data and more lender options, see our full Idaho SBA Lenders guide.

🤝 Why Use an SBA Broker in Boise?

GoSBA Loans helps Boise businesses access the best SBA lenders:

  • Access 32+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Boise
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Boise SBA Loan

Our team has helped hundreds of Boise businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Boise? GoSBA Loans is a trusted SBA loan broker serving businesses in Boise and across Idaho. Contact our Boise SBA specialists today for a free consultation.

Explore More SBA Markets

http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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