Business Lending


Connecting Businesses with the Resources They Need to Thrive

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Our Lending Programs

Current SBA Loan Rates 

25 Year Loan


20 Year Loan


10 Year Loan


*Updated June 11th, 2024
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Borrowers must have a marketable skill, service or product available to the public. Applicants must demonstrate that the business has or will have adequate cash flow and profit to repay the loan.
  • Financing available for fixed assets (real estate, equipment and refinancing) throughout the state of Idaho
  • Loan up to $5 Million
  • Requires lending participation
    • Required 10% down on all projects
      • Extra 5% on startup businesses
        • SBA defines a startup business as 2 years old or less at the time the 504 loan is approved by SBA based on when the business began generating revenue.
        • A business may also be considered a “new business” if there has been a change in ownership in the last 2 years.
      • Extra 5% on special use facilities
        • Special use facilities include car washes, bowling alleys, swimming pools, etc.
    • Typically 10% down from the borrower, 50% from the lending institution and 40% SBA
  • Low, fixed interest rates for the life of the loan
  • 10, 20 and 25 year terms

The Business Lending Process
Can Be Complicated

We know that you want your business to grow and succeed, and sometimes in order to do that you need funding to meet your goals. The problem is that finding the financing you need can be a confusing process, which can make you feel stuck or frustrated. We believe everyone deserves the opportunity to pursue their dreams. That is why we provide financial backing to startups and businesses in Southern Idaho, and connect business owners to the other resources they need to succeed.

Region IV Development is Here to Help

Region IV Development’s Loan Division focuses solely on the progression of small businesses, and we assists small businesses throughout Idaho in obtaining commercial financing. Our lending programs can provide business owners with access to capital that meet their financial needs. Whether you’re looking to start a business, expand your current business, or revitalize your current operations — we will walk step by step with you to find financing that will meet your needs. RIVDA can help small businesses of any size, from startups to expansions.

Since making our first loan in 1984, RIVDA has helped with:

Loans Financed
Jobs Created
Million Dollars in
Private Investments
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How RIVDA Can Help

Revolving Loan Funds

Occasionally, there are instances where lending institutions are unable to finance certain projects. In those instances, we have revolving loan fund programs in which we can take on the financing of the entire project.

Primary or Partnered Financing

We can partner with banks or work individually to provide financing for real estate, equipment, inventory, tenant improvements and working capital from the Magic Valley to the Treasure Valley.

Several Loan Plans

RIVDA currently offers four financing and lending through four different loan programs. With competitive interest rates and a convenient application process, we can help businesses of any size find the funding they need to create, grow, or revitalize their organization!

We'll Help Make it Happen

1. Apply Now

Fill out your online application today to get started with RIVDA’s business development loan division.

2. Get Funded

One of our locally based loan officers will contact you with any questions or additional instructions.

3. Start Thriving

Once you’ve been approved, you can use your new funding to start, expand, or improve your business!
Get Started
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