Local lending data
Who lends to businesses in Bonneville County?
169 SBA 7(a) loans went to businesses in Bonneville County recently, at a median of $120,000. The lenders that made them, ranked, with local rates and startup share.
169 SBA 7(a) loans went to businesses in Bonneville County in the most recent fiscal years, at a median of $120,000. The most active lender was Zions Bank, with 67 loans.
SBA lending in Bonneville County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Bonneville County | Idaho | National |
|---|---|---|---|
| Loans approved | 169 | 2,178 | 214,102 |
| Median loan | $120,000 | $125,000 | $150,000 |
| 25th - 75th percentile | $50,000 - $300,750 | $50,000 - $350,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.00% | 10.00% | 10.25% |
| Share to startups | 46.2% | 39.2% | 33.6% |
| Charge-off rate, FY2010-19 | 3.7% | 3.9% | 7.1% |
| Jobs supported | 1,368 | 18,365 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Bonneville County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Zions Bank | 67 | $91,300 | 31% | 10.00% |
| The Bank of Commerce | 19 | $215,600 | 42% | 8.74% |
| Idaho Central CU | 17 | $350,000 | 82% | 10.00% |
| The Huntington National Bank | 9 | $150,000 | 89% | 10.25% |
| Mountain America FCU | 9 | $50,000 | 56% | 11.00% |
| Glacier Bank | 6 | $167,500 | 83% | 9.88% |
| U.S. Bank | 5 | $100,000 | 0% | 10.74% |
| Wells Fargo Bank | 5 | $25,000 | 80% | 12.00% |
| Newtek Bank | 4 | $300,000 | 0% | 11.50% |
| KeyBank | 4 | $50,000 | 75% | 9.50% |
What stands out here
Reading these figures against the national picture:
- Loans here run smaller than average. The median of $120,000 is 20% below the $150,000 national median. Smaller loans price higher under the SBA spread caps, so budget for a rate above the headline range.
- New businesses do well here. 46% of these loans went to startups or businesses under two years old, against 34% nationally — an unusually open market if you have no trading history.
- One lender dominates. Zions Bank alone made 40% of these loans, and the top three made 61%. That concentration usually means a lender with a dedicated program for this sector — worth starting there, but get a second quote so you know the terms are competitive.
- This market has performed well. Its FY2010-2019 charge-off rate of 3.7% is below the 7.1% overall figure, which is part of why lenders compete for it.
Who borrows in Bonneville County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 31 | 18.3% |
| Admin Services | 26 | 15.4% |
| Retail | 20 | 11.8% |
| Personal Services | 17 | 10.1% |
| Healthcare | 14 | 8.3% |
| Restaurants and Hotels | 13 | 7.7% |
| Manufacturing | 10 | 5.9% |
| Wholesale | 10 | 5.9% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Idaho.
Other counties in Idaho
- Nearby markets with published data: Ada County, Canyon County, Kootenai County