SBA 504 Loans in Boise, ID
Find lenders offering sba 504 loans in the Boise, including Nampa, Meridian, Caldwell, and surrounding areas. Compare rates, terms, and programs from 17 lenders.
Which SBA 504 lenders serve Boise?
17 lenders offering sba 504 loans in the Boise, ID area.
Capital Matrix, Inc.
Local 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.
Panhandle Area Council, Inc.
Local SBAHayden, ID
Eastern Idaho Development Corporation
Local SBAPocatello, ID
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.
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.
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.
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.
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.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
What does the Boise commercial real estate market look like?
Boise's commercial real estate market has been reshaped by rapid population growth and an influx of out-of-state companies and remote workers, particularly from California and the Pacific Northwest, making it one of the most dynamic small-metro CRE markets in the Mountain West. The downtown core has seen significant office and mixed-use construction, including the JUMP complex and 8th Street corridor, while the Boise Bench and West End neighborhoods are transitioning toward higher-density development. Meridian and Nampa have experienced explosive suburban commercial growth along the I-84 corridor, absorbing much of the metro's new retail, medical office, and light industrial demand. Micron Technology's headquartered presence and HP Inc.'s large Boise campus provide an outsized tech employment base that differentiates the market from peer-sized metros.
Key Economic Drivers
- ●Micron Technology headquarters and CHIPS Act-funded expansion
- ●HP Inc. and Clearwater Analytics technology employment base
- ●I-84 corridor suburban growth in Meridian, Nampa, and Caldwell
- ●In-migration from California and Pacific Northwest driving housing and commercial demand
Market Insight
Micron Technology announced a $15 billion investment in memory chip fabrication in Boise supported by CHIPS Act funding, which is expected to create thousands of direct jobs and generate significant demand for industrial, office, and workforce housing CRE across the metro.
How do sba 504 loans work in Boise, Idaho?
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Boise metro area, borrowers can access 17 lenders offering SBA 504 financing, including Nampa, Meridian, Caldwell, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who should consider sba 504 loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
What are the key requirements?
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
SBA 504 Loans in Boise FAQ
How many SBA 504 lenders serve Boise, ID? ▼
What are SBA 504 loan rates in Boise? ▼
What is a Certified Development Company (CDC)? ▼
Can I use SBA 504 for a rental property? ▼
How is the SBA 504 loan structured? ▼
Where else can I find sba 504 loans in Idaho?
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