Idaho Trust Bank
Idaho Trust Bank is an active SBA lender in Idaho, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 1 Google reviews.
$19M
in SBA approvals since 2011
43
SBA loans funded
Restaurants & Food Service · Manufacturing · Legal Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Idaho Trust Bank
Idaho Trust Bank offers comprehensive SBA lending solutions tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this bank provides various loan options including the popular SBA 7(a) program. Whether you're looking to expand your operations, purchase equipment, or manage cash flow, their experienced team is ready to assist you through every step of the process. Located in Boise, Idaho, they serve a diverse range of industries, emphasizing personalized service and flexible financing options. Their commitment to small business success is reflected in their ability to approve loans up to $350,000, making them a reliable partner for your business needs. The bank's expertise in SBA lending ensures that clients receive tailored solutions that meet their unique requirements, all while maintaining competitive terms and transparent fee structures. With a strong local presence and a dedication to supporting regional economic growth, Idaho Trust Bank is a trusted resource for small business owners in Idaho and beyond.
Industries Idaho Trust Bank finances
Business types Idaho Trust Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Idaho Trust Bank
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs and personalized financial services for small businesses in Boise, Idaho.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.
What are the hours of operation?
Idaho Trust Bank's Boise headquarters lobby operates Monday through Friday from 9:00 AM to 5:00 PM (drive-thru opens at 8:30 AM); hours vary by branch. Please confirm your location's specific hours with the bank.
Is there a fee to use this?
There are no fees for accessing basic consultation services; loan application fees may apply depending on the product.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within the Boise region and surrounding areas.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 650 is generally required for loan consideration.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of the application and documentation.
Is this open on weekends?
No, Idaho Trust Bank is not open on weekends. All locations operate Monday through Friday only.
How do I get there and where do I park?
Idaho Trust Bank's Boise headquarters offers on-street metered parking and garage parking (complimentary first hour); Coeur d'Alene has easy off-street parking; Idaho Falls has an on-site lot. Confirm accessibility details with the bank.
Who owns or operates this listing?
This page is an independent directory listing for Idaho Trust Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Idaho Trust Bank itself, which runs its own lending under its own ownership. If you work at Idaho Trust Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Idaho Trust Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Idaho Trust Bank before applying. If you represent Idaho Trust Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Idaho Trust Bank by phone at (208) 373-6500 or online at idahotrust.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Idaho Trust Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Idaho Trust Bank most often finances businesses in construction & contractors, legal services, restaurants & food service, manufacturing, and medical practices & clinics. This reflects Idaho Trust Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Idaho Trust Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Idaho Trust Bank participates in SBA Express depends on its specific SBA lending authority. Contact Idaho Trust Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Idaho Trust Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Idaho Trust Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Idaho Trust Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Idaho Trust Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Idaho Trust Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Idaho Trust Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Idaho Trust Bank weighs this case by case under its own policy, so be upfront about your history and ask Idaho Trust Bank how it evaluates prior bankruptcies.
