Loan Programs

Business Lending Solutions packages and services loans with the following programs:

SBA 504 Loans

The U.S. Small Business Administration established the 504 loan program to help businesses purchase equipment and commercial real estate while retaining working capital. The SBA 504 loan puts financing within reach for small businesses through low down payments and long-term, low, fixed interest rates.

SBA 7(a) Loans

SBA 7(a) loans are the most frequently used type loan of SBA's business loan programs. These programs can be used to finance needs for real estate, equipment, working capital, inventory, eligible franchises, business acquisition, etc.

Revolving Loan Fund (RLF)

Business Lending Solutions administers this loan program which can be utilized for real estate acquisition and improvement, working capital, equipment, and inventory. Funds from this program can be used for projects located in the following Idaho counties: Ada, Adams, Blaine, Boise, Camas, Canyon, Cassia, Elmore, Gem, Gooding, Jerome, Lincoln, Minidoka, Owyhee, Payette, Twin Falls, Valley, and Washington.

USDA Intermediary Re-lending Program (IRP)

The U.S. Department of Agriculture provides limited funds for loans to small businesses in rural locations to create and retain employment. Eligible uses include real estate, equipment, and working capital. Funds from this program (that Business Lending Solutions operates) can be used for projects located in the following Idaho counties: Blaine, Camas, Cassia, Gooding, Jerome, Lincoln, Minidoka and Twin Falls (excluding the City of Twin Falls).

RBEG Micro Loan Program

Business Lending Solutions Micro Loan program helps create jobs and stimulate the local economy by providing micro loans to start-up and expanding small businesses and microenterprises in the eight counties of South-Central Idaho: Blaine, Camas, Cassia, Gooding, Jerome, Lincoln, Minidoka, Twin Falls.

USDA Business and Industry Loans

The U.S. Department of Agriculture Business and Industry Loan Program offers guarantees to lenders who make loans to businesses in rural communities. A variety of eligible uses of loan proceeds includes; real estate, equipment, and working capital. Under certain conditions, refinancing of existing debt is allowed.

Idaho-Nevada Community Development Financial Institution, Inc.

Business Lending Solutions prepares (and services) loan packages for this organization which provide community development financing for affordable housing projects and small business ventures. The Idaho-Nevada CDFI is a U.S. Department of Treasury designated Community Development Financial Institution and a Community Development Entity. The Idaho-Nevada CDFI focuses its lending and services in those areas of Idaho and Nevada designated by the U.S. Department of Treasury as CDFI eligible. However, on a case-by-case basis, they will consider projects in other intermountain western states which have distinct community development impact.

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Current SBA 504 Rates
(Business Lending Solutions effective Note rates)

20 Year Debenture
August 2018

10 year July-August 2018
10 Year Debenture
July-August 2018

25 Year Debenture
August 2018