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Buying a Business in Idaho

The Numbers

FY2025 Acquisition Loans

60

$64.5M approved

Median Loan

$552k

FY2020 through FY2025

Loans Since FY2020

334

$324M in total approvals

Share of U.S. Activity

0.9%

Of change-of-ownership loans

What the Data Says

Idaho ranks 31st of 53 states and territories for change-of-ownership SBA 7(a) lending: 334 loans since FY2020, 0.9% of the national total.

The typical deal runs small: its $552k median loan sits below the $650k midpoint across states, within reach on less equity.

Activity is steady, near the state's ~56 a year pace since FY2020.

The most-financed target is full-service restaurants (17 loans), and the 5 most active lenders wrote about 56% of the state's acquisitions, a concentrated lender field.

Most Active Acquisition Lenders in Idaho

  1. 1. Idaho Central CU68 loans
  2. 2. Glacier Bank61 loans
  3. 3. Zions Bank, A Division of28 loans
  4. 4. Washington Trust Bank17 loans
  5. 5. Northwest Bank (ID)14 loans

A lender being active in Idaho does not require a local branch; several top SBA lenders work nationally. Build a shortlist with Lenders.

What Gets Bought in Idaho

  • Full-Service Restaurants17 loans
  • General Automotive Repair14 loans
  • Limited-Service Restaurants11 loans
  • Plumbing, Heating, and Air-Conditioning Contractors10 loans
  • Gasoline Stations with Convenience Stores9 loans

Industry-specific pricing and diligence live in the Guides. How many buyable businesses Idaho holds in each trade is in Where the Businesses Are.

Method & Source

Computed from the SBA 7(a) FOIA loan-level dataset (FY2020 through FY2025), filtered to approvals flagged change of ownership with a Idaho project address. Approvals, not closings; excludes conventional and 504 financing.