Idaho Trust Bank
SBA 7(a) Lending Profile · FY 2020 analysis
Industry Focus
Top industries served by Idaho Trust Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 24 | $15.5M | $644K | 21.4% |
| 323111 | Commercial Gravure Printing | 16 | $15.6M | $978K | 14.3% |
| 531311 | Residential Property Managers | 16 | $7.8M | $488K | 14.3% |
| 238320 | Painting and Wall Covering Contractors | 16 | $2.8M | $175K | 14.3% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 16 | $1.3M | $80K | 14.3% |
| 236118 | Residential Remodelers | 8 | $3.4M | $428K | 7.1% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $800K | $100K | 7.1% |
| 519130 | Internet Publishing and Broadcasting and Web Search Portals | 8 | $1.1M | $142K | 7.1% |
Geographic Distribution
SBA lending activity for Idaho Trust Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Idaho (ID) | 112 | $48.3M | 100.0% |
Why Choose Idaho Trust Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 112 SBA loans approved, totaling $48.3M in financing
- ✓Industry Expertise: Specialized focus on Snack and Nonalcoholic Beverage Bars, Commercial Gravure Printing, Residential Property Managers
- ✓Competitive Terms: Average interest rate of 9.11% with flexible term lengths averaging 108 months
- ✓Loan Range: Loan sizes from $50K to $1.8M, with an average of $432K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in ID
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Idaho Trust Bank SBA lending
What types of businesses does Idaho Trust Bank typically finance?
Idaho Trust Bank specializes in SBA 7(a) lending to specific industries including snack and nonalcoholic beverage bars, commercial gravure printing, residential property managers, painting and wall covering contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Idaho Trust Bank's typical SBA loan terms?
Idaho Trust Bank's SBA 7(a) loans typically feature an average interest rate of 9.11% and average term length of 108 months (approximately 9 years). Loan sizes range from $50K to $1.8M, with an average loan size of $432K.
Do I need a business valuation for a Idaho Trust Bank SBA loan?
Yes, Idaho Trust Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Idaho Trust Bank compare to other SBA lenders?
Idaho Trust Bank has originated 112 SBA loans totaling $48.3M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Idaho Trust Bank lend in?
Idaho Trust Bank provides SBA 7(a) financing with particularly strong presence in ID. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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