Lending data
Who actually lends to restaurants, bars, and hotels in Idaho?
205 SBA 7(a) loans went to restaurants, bars, and hotels in Idaho recently, at a median of $172,800. Here are the lenders that made them, ranked.
205 SBA 7(a) loans went to restaurants, bars, and hotels in Idaho in the most recent fiscal years. The median was $172,800 over 10 years. The most active lender was Zions Bank, with 34 loans.
What lending to restaurants, bars, and hotels in Idaho actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Restaurants, bars, and hotels, Idaho | All 7(a) borrowers |
|---|---|---|
| Loans approved | 205 | 214,102 |
| Median loan | $172,800 | $150,000 |
| 25th - 75th percentile | $50,000 - $559,350 | $50,000 - $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 10.00% | 10.25% |
| Share to startups | 56.6% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 4.4% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to restaurants, bars, and hotels in Idaho. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Zions Bank | 34 | $124,300 | 47% | 9.50% |
| Idaho Central CU | 23 | $237,600 | 61% | 11.00% |
| Glacier Bank | 18 | $75,000 | 83% | 9.88% |
| Columbia Bank | 16 | $50,000 | 25% | 11.88% |
| The Huntington National Bank | 13 | $347,500 | 100% | 10.25% |
| U.S. Bank | 11 | $40,000 | 27% | 9.99% |
| Mountain America FCU | 10 | $200,000 | 100% | 8.38% |
| Montana Community Development Corp | 8 | $148,350 | 50% | 11.00% |
| America First Federal Credit Union | 4 | $1,348,600 | 50% | 7.50% |
| Wells Fargo Bank | 4 | $250,500 | 75% | 11.28% |
What stands out in this market
Reading the figures above against the national picture:
- Loans here run larger than average. The median of $172,800 is 15% above the $150,000 national median. Expect lenders in this market to be geared toward bigger deals, and expect a small request to get less attention.
- New businesses do well here. 57% 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.
- No single lender dominates, but the top three made 37% of these loans, so the shortlist below covers most of the active market.
- This market has performed well. Its FY2010-2019 charge-off rate of 4.4% is below the 7.1% overall figure, which is part of why lenders compete for it.
Which of them lend to new businesses
Of those loans, 56.6% went to businesses the SBA classes as startups — new, under two years old, or opening with the proceeds. These are the lenders in this market that actually wrote them.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Zions Bank | 16 | $124,300 | 47% | 9.50% |
| Glacier Bank | 15 | $75,000 | 83% | 9.88% |
| Idaho Central CU | 14 | $237,600 | 61% | 11.00% |
| The Huntington National Bank | 13 | $347,500 | 100% | 10.25% |
| Mountain America FCU | 10 | $200,000 | 100% | 8.38% |
| Columbia Bank | 4 | $50,000 | 25% | 11.88% |
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- 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 the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Idaho: construction, retail, healthcare, personal services, professional services, manufacturing
- Restaurants and Hotels in comparable states: Kansas, New Hampshire, Maine, Louisiana, Oklahoma, Iowa