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Small Business Loans in Idaho

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10 Small Business Loans in Idaho

This compilation showcases our dedicated exploration of small business lenders in Idaho, grounded on solid data. We've sequenced them by the volume of small business loans they've dispensed this year.

In essence, these financial bodies and lenders are the ones genuinely facilitating the most loans to small businesses across the state.

(This stands in sharp contrast to various websites that often highlight non-profit organizations with infrequent lending or government initiatives that few businesses can actually leverage!)

Takeaway: Local and regional banks do most of the small business lending in Idaho.

Methodology: Our research is based on data from SBA 7a loans, guaranteeing that each lender listed offers SBA financing. Furthermore, we've outlined other small business financing options they feature on their websites.

The usual requirements from traditional banks include high credit scores and a minimum of two years in business operation. In response, our guide starts with two financing options aimed at small business owners with less-than-perfect credit and those who are in the early stages of their entrepreneurial journey.

1. Credit Suite

Credit Suite is known for its specialization in business credit advice and software solutions, also presenting two unique funding options.

Their Cash Flow Financing option is ideally suited for entrepreneurs who have been in business for several years and have basic credit scores. This allows you to utilize your business's steady cash flow as a means for obtaining versatile financial support. Instead of fixed monthly payments, the repayment structure is tied to a portion of your regular cash flow.

The Credit Line Hybrid provides financing purely on the basis of one's personal credit rating, bypassing the need for detailed financial records, banking information, or intricate business outlines. Tailored for startups and established businesses alike, it allocates funds ranging from $5,000 to $150,000. 

Business financing options offered:

  • Credit Suite Cash Flow Financing
  • Credit Suite Credit Line Hybrid
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2. Zions Bank

Zions Bank, with its main offices in Utah, maintains a robust presence throughout the West. It operates a vast network of branches and provides an extensive array of financial solutions for small enterprises.

They are notable for generating a considerable volume of SBA loans and have an impressive selection of five business credit cards, a rare feat for a bank focused on regional operations.

Business financing options offered:

  • SBA Loans

  • Business Term Loans

  • Business Access Loans

  • Business Lines of Credit

  • Commercial Real Estate Financing

  • Equipment Financing

  • Factoring

  • Agricultural Loans

  • 5 Business Credit Cards

3. US Bank

US Bank shines as a leading, countrywide bank that provides a wide range of financing solutions for businesses. Its broad network of branches makes it a well-known entity across numerous communities.

Business financing options offered:

  • US Bank Quick Loan

  • Business Term Loan

  • Commercial Real Estate Loan

  • Equipment Financing

  • SBA Loans

  • Dental, Medical, and Vet Practice Loans

  • Business Line of Credit

  • Manage Cash Flow

  • Business Equity Line of Credit

  • Business Reserve Line

  • 4 Business Credit Cards

4. Glacier Bank

Glacier is a small bank headquartered in Montana. They don’t give much information on each loan, but they appear to have a good variety of small business financing options.

Business financing options offered:

  • SBA Loans

  • USDA loans

  • Equipment loans

  • Commercial real estate loans

  • Business overdraft lines of credit

  • Looks like they have 1 business credit card

5. Idaho Central Credit Union

Idaho Central is a local credit union with branches throughout Idaho and Spokane Washington. They have a wide variety of standard business financing products, including 3 business credit cards.

Business financing options offered:

  • Business Term Loans

  • Commercial Real Estate Loans

  • Commercial Construction Loans

  • Commercial Vehicle Loans

  • Business Lines of Credit

  • Business Microloans

  • SBA Loans

  • 3 business credit cards

6. D.L. Evans Bank

DL Evans is a regional bank in Idaho and Utah with a standard set of small business loan options.

Business financing options offered:

  • Commercial Loans

  • SBA Loans

  • Real Estate Loans

  • Agricultural Loans

  • 1 business credit card

7. Mountain America Credit Union

Mountain American Credit Union is the second credit union on this list. They’re the number 1 SBA lender in Utah, and they do a lot of volume of SBA loans in Idaho as well. 

Business financing options offered:

  • SBA Lines of Credit

  • Equipment Loans

  • Owner-Occupied Real Estate

  • Acquisition

  • Secured Lines of Credit

  • 2 Business Credit Cards

8. Wells Fargo Bank

Wells Fargo, a sizable national bank, is a familiar sight in many neighborhoods. Despite its vast scale, it offers a relatively modest selection of financing options tailored for small businesses. Nevertheless, it secures a notable position on this list due to the substantial volume of loans it originates.

Business financing options offered:

  • SBA 7a Loans & 504 Loans

  • 2 Business Lines of Credit

  • Practice Financing

9. The Huntington National Bank

Huntington National Bank doesn't just lead as a top small business lender locally, but it also holds the distinction of originating the highest number of SBA 7a loans nationwide.

Their penchant for working with small businesses shines through as they consistently rank in the top 10 lists across various states.

Beyond SBA loans, they provide a diverse range of financing solutions tailored for small enterprises, such as equipment leasing, agricultural loans, and various real estate financing options.

Business financing options offered:

  • SBA 7a Loans

  • Equipment Leasing

  • Church Lending

  • Greek House Financing

  • Agricultural Loans

  • Warehouse Lending

  • Real Estate Loans, Term Loans, and Lines of Credit

10. Umpqua Bank

Umpqua has a standard line up of small business loans. Their Expresslines of Credit are a unique product developed to deliver fast approval times. 

Business financing options offered:

  • SBA Loans

  • Real Estate Loans

  • Vehicle Loans

  • Term Loans

  • Equipment Loans

  • Expresslines of Credit

How to apply for a small business loan in Idaho

Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!

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