BlogRankingStateBest Idaho SBA Lenders & Rates of 2026

Best Idaho SBA Lenders & Rates of 2026

February 2, 2026
Ranking, State
1 min read

$274.6M
Total Funded

741
Loans Approved

$371K
Avg Loan Size

10.25%
Avg Interest Rate

73
Active Lenders

SBA Loans in Idaho

Idaho businesses received $274.6M in SBA 7(a) loan approvals across 741 businesses in 2025. With 73 active SBA lenders competing for business in Idaho, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Idaho is $371K, with rates averaging 10.25%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Top SBA Lenders in Idaho (2025)

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

Rank Lender Volume Loans Avg Rate
1 Idaho Central CU $44.6M 85 9.94%
2 Live Oak Banking Company $29.3M 13 8.56%
3 Zions Bank, A Division of $17.8M 158 10.72%
4 America First FCU $13.6M 7 7.50%
5 First Savings Bank $13.1M 11 9.80%
6 U.S. Bank, National Association $12.8M 65 10.06%
7 The Huntington National Bank $12.7M 20 9.54%
8 Washington Trust Bank $9.9M 11 7.93%
9 Glacier Bank $8.6M 29 9.03%
10 Mountain America FCU $8.5M 24 10.97%
11 Lexicon Bank $5.3M 2 9.25%
12 MISSINGMAINBANKID $5.3M 3 10.11%
13 Wells Fargo Bank National Association $5.3M 15 9.93%
14 1st Financial Bank USA $5.0M 1 8.50%
15 Fifth Third Bank $4.9M 3 7.83%
16 Gulf Coast Bank and Trust Company $4.3M 4 9.88%
17 Northeast Bank $4.2M 26 10.96%
18 Columbia Bank $4.0M 54 12.12%
19 US Metro Bank $3.6M 2 8.63%
20 D. L. Evans Bank $3.5M 21 8.92%

🤝 How to Get an SBA Loan in Idaho

Many top SBA lenders work primarily through approved SBA loan brokers. This is good news for borrowers:

  • Better Match: Get matched with the right lender for your situation
  • Negotiating Power: Broker relationships can result in better rates
  • Time Savings: One application goes to multiple lenders
  • Expert Guidance: Maximize your approval chances

GoSBA Loans works with lenders across Idaho and can help you access the best loan programs. Our service is completely free to borrowers.

📞 Get Matched with Idaho SBA Lenders

Ready to apply for an SBA loan in Idaho? Our team can help you get matched with the right lender and program for your business.

Looking for SBA lenders in other states? GoSBA Loans works with 75+ SBA lenders nationwide. Contact us to get matched with the best lender for your specific business needs.

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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