SBA 504 Loans in Idaho Falls, ID
Find lenders offering sba 504 loans in the Idaho Falls, including Rexburg, Ammon, and surrounding areas. Compare rates, terms, and programs from 17 lenders.
SBA 504 Lenders Serving Idaho Falls
17 lenders offering sba 504 loans in the Idaho Falls, 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.
Idaho Falls Commercial Real Estate Market
Idaho Falls serves as the commercial hub of eastern Idaho and is uniquely anchored by the Idaho National Laboratory (INL), the U.S. Department of Energy's lead nuclear research facility, which employs over 5,500 people and drives demand for office, laboratory, and technical space. The downtown Snake River corridor has attracted modest mixed-use development, but the primary commercial growth occurs along the Hitt Road and Sunnyside Road retail corridors. The metro also serves as a regional trade center for agriculture — particularly potato farming and cattle ranching — which supports ag-related industrial and warehouse demand. Rexburg, home to Brigham Young University-Idaho, contributes a growing student-driven economy to the north.
Key Economic Drivers
- ●Idaho National Laboratory nuclear research and clean energy employment
- ●Regional agricultural trade center for eastern Idaho's potato and cattle industries
- ●BYU-Idaho in Rexburg driving student housing and ancillary retail demand
- ●Healthcare expansion at Eastern Idaho Regional Medical Center
Market Insight
The U.S. Department of Energy has designated INL as a hub for advanced nuclear reactor development and clean energy research, with billions in federal investment planned over the coming decade — this is expected to drive sustained growth in technical office and laboratory space demand in the Idaho Falls area.
SBA 504 Loans in Idaho Falls, 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 Idaho Falls metro area, borrowers can access 17 lenders offering SBA 504 financing, including Rexburg, Ammon, 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
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)
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