Best SBA Lenders in Nampa, ID (2026)
2025 FOIA data: top lenders, rates & industries for Nampa SBA loans
SBA Loans in Nampa, Idaho
Looking for an SBA loan in Nampa, Idaho? Based on 2025 FOIA data, 52 SBA 7(a) loans were funded in Nampa totaling $17.3M, supporting an estimated 329 jobs. With 25 active lenders competing for business in the Nampa market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Nampa is $333K at an average rate of 10.43%. The top lender in Nampa is First Savings Bank, with the most-funded industry being Limited-Service Restaurants. See all Idaho SBA lenders for statewide rankings.
SBA Loans in Nampa by Business Type
Whether you’re starting a new business in Nampa, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 12% of SBA loans in Nampa (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 15% (1 loans) — if you’re looking to buy a business in Nampa, this is a proven use case for SBA financing. Existing businesses make up 46% and typically receive the most favorable terms.
Top SBA Lenders in Nampa, ID (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Nampa businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | First Savings Bank | $3.1M | 3 | 9.67% |
| 2 | Gulf Coast Bank and Trust Company | $2.9M | 2 | 10% |
| 3 | First Interstate Bank | $2.2M | 3 | 8.87% |
| 4 | Zions Bank, A Division of | $1.7M | 11 | 11.34% |
| 5 | Idaho Central CU | $1.1M | 5 | 9.5% |
| 6 | ConnectOne Bank | $920K | 1 | 10% |
| 7 | BMO Bank National Association | $850K | 1 | 6.52% |
| 8 | Newtek Bank, National Association | $665K | 3 | 10.75% |
| 9 | MISSINGMAINBANKID | $625K | 2 | 9.12% |
| 10 | Live Oak Banking Company | $455K | 1 | 8.75% |
The top lenders in Nampa have direct experience with local businesses and understand the Nampa market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Nampa and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Nampa
One 5-minute application. 25+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Nampa
These are the industries that received the most SBA 7(a) funding in Nampa in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Limited-Service Restaurants | 6 | $4.9M |
| Plumbing, Heating, and Air-Conditioning Contractors | 4 | $3.2M |
| All Other Amusement and Recreation Industries | 1 | $2.0M |
| Residential Mental Health and Substance Abuse Facilities | 1 | $861K |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $850K |
| All Other Personal Services | 3 | $675K |
| Locksmiths | 1 | $575K |
| Offices of Physicians (except Mental Health Specialists) | 1 | $455K |
| Nonresidential Property Managers | 2 | $400K |
| Janitorial Services | 1 | $375K |
Lenders with experience funding your specific industry in Nampa understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Nampa
Option 1: Apply directly to one of the top Nampa lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Nampa-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Ready to Apply for an SBA Loan in Nampa?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
