Commercial Lenders in Idaho
Browse 129 lenders serving Idaho across DSCR, SBA, bridge, construction, hard money, and more.
Idaho Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll Idaho Lenders
129 commercial lenders serving Idaho.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
JPMorgan Chase Bank, National Association
SBAColumbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Zions Bank, A Division of
SBASALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
East West Bank
SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
Grasshopper Bank National Association
SBANew York, NY
New York-based digital business bank offering SBA 7(a) and 504 loans, commercial lending, and innovative banking solutions. Combines fintech convenience with traditional banking for small business owners and startups.
America First FCU
SBARIVERDALE, UT
Utah's largest credit union offering SBA 7(a) loans, commercial real estate, and business banking with competitive credit union rates. Serves members primarily in Utah, Nevada, and Arizona.
Banner Bank
SBAWALLA WALLA, WA
Pacific Northwest regional bank headquartered in Walla Walla, Washington. Offers SBA 7(a) loans, commercial real estate, agricultural lending, and business banking across Washington, Oregon, Idaho, and California.
Capital Matrix, Inc.
SBABoise, ID
Boise, Idaho-based nonprofit Certified Development Company administering SBA 504 loans since 1983. Has provided over $600 million in financing to more than 1,600 companies across Idaho and the Pacific Northwest.
Mountain America FCU
SBASANDY, UT
One of the largest credit unions in the western U.S., headquartered in Sandy, Utah. Offers SBA 7(a) loans, commercial real estate, business lines of credit, and equipment financing with competitive credit union rates.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Bank of America
Charlotte, NC
One of the largest US banks. Commercial real estate lending, construction financing, and SBA loans through nationwide branch network.
Barclays
New York, NY
Active CMBS conduit originator. Commercial mortgage-backed securities for large CRE deals.
Complete Idaho Lender Directory
All 129 commercial lenders serving Idaho, A–Z.
- Acra Lending
- Aloha Capital
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arc Home
- Banesco USA — Miami, FL
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Cache Valley Bank — LOGAN, UT
- Capital Community Bank — PROVO, UT
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- Change Lending
- Citigroup — New York, NY
- Civic Financial Services — Redondo Beach, CA
- Columbia Bank — Fair Lawn, NJ
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- D. L. Evans Bank — Burley, ID
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- Eastern Idaho Development Corporation — Pocatello, ID
- Easy Street Capital — Austin, TX
- Finance of America — Plano, TX
- First Command Bank — FORT WORTH, TX
- First National Bank of America — East Lansing, MI
- Flagstar Bank — Hicksville, NY
- Glacier Bank — KALISPELL, MT
- Goldman Sachs — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Heritage Bank — OLYMPIA, WA
- HomeXpress Mortgage
- iBorrow
- Idaho Central CU — CHUBBUCK, ID
- Intermountain Business Lending, Inc. — Ogden, UT
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- Lexicon Bank — Las Vegas, NV
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- Montana Community Development Corp. — Missoula, MT
- Monterey County Bank — Monterey, CA
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- Mountain West Small Business Finance — Salt Lake City, UT
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Northwest Bank — SPENCER, IA
- Oaktree Funding
- Panhandle Area Council, Inc. — Hayden, ID
- Park Place Finance
- Planet Home Lending — Meriden, CT
- PNC Real Estate — Pittsburgh, PA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bank of Commerce — Idaho Falls, ID
- Tidal Loans — Houston, TX
- Triad Financial Services — Jacksonville, FL
- Truss Financial Group
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- WaFd Bank — SEATTLE, WA
- Walker & Dunlop — Bethesda, MD
- Washington Trust Bank — SPOKANE, WA
- Wells Fargo — San Francisco, CA
Commercial Lending in Idaho
Idaho has been one of the fastest-growing states by population, with the Boise metro area attracting significant tech industry investment and corporate relocations from California and the Pacific Northwest. The state's low regulatory burden and affordable costs drive business formation.
Idaho's Urban Renewal Agencies can designate revenue allocation areas that function like tax increment financing districts, providing CRE developers with a mechanism to fund infrastructure improvements. The Boise metro has experienced rapid commercial rent appreciation, though cap rates remain more attractive than coastal markets, drawing out-of-state investors seeking yield. Idaho does not impose a separate business personal property tax, which can benefit tenants and owner-occupants of commercial properties with significant equipment.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).