A feasibility study in Boise is read by a lender or a Certified Development Company before anyone else. In fiscal year 2025 this metro recorded 362 SBA 7(a) approvals for $152,097,300.
The Boise City, ID metro is home to about 845,877 residents per the U.S. Census Bureau Population Estimates, led by Ada County at 535,799; Canyon County at 266,892; Gem County at 21,857; Owyhee County at 12,748.
SBA 504 feasibility study Boise and SBA 7(a) studies
Nationally, the U.S. Small Business Administration closed fiscal year 2025 having guaranteed 84,400 7(a) and 504 loans for $44.8 billion. This page computes the Boise share from the SBA's own 7(a) and 504 FOIA release, as of June 30, 2026, by member county rather than by district office: in fiscal year 2025 the metro's five counties recorded 362 SBA 7(a) approvals for $152,097,300 and 41 SBA 504 approvals for $34,189,000.
| Fiscal year | 7(a) approvals | 7(a) gross | 504 approvals | 504 gross |
|---|---|---|---|---|
| FY2023 | 218 | $103,546,700 | 38 | $33,527,000 |
| FY2024 | 289 | $117,314,800 | 34 | $31,127,000 |
| FY2025 | 362 | $152,097,300 | 41 | $34,189,000 |
| FY2026 (to June 30, 2026) | 221 | $91,757,800 | 43 | $46,441,000 |
Source: U.S. Small Business Administration, 7(a) and 504 FOIA release, as of June 30, 2026, summed over member counties
In fiscal year 2025 the 7(a) approvals here came from Zions Bank, A Division of (71 loans, $13,457,200), Idaho Central CU (48 loans, $26,567,100), and U.S. Bank, National Association (21 loans, $6,088,100), listed by approval count with the names as the SBA released them. The 504 approvals that year went through Capital Matrix, Inc. (31 loans), Panhandle Area Council, Inc. (4 loans), and Mountain West Small Business Finance (3 loans). The SBA's district office field reads Boise District Office on 360 of the 362 fiscal year 2025 7(a) rows, 99.4%, and Utah District Office on 2.
Across fiscal years 2010 to 2026 disbursed, the ten asset classes tracked here account for 369 7(a) loans for $225,262,600 and 74 504 loans for $75,991,000 in this metro. In fiscal year 2025 alone those classes took 35 7(a) and 504 approvals for $33,649,600. The table sets out each class; a cell under five loans is not shown, and a charge-off rate is printed where 30 or more loans have resolved and left blank below that.
| Asset class | 7(a) loans | 7(a) gross | 7(a) charge-off | 504 loans | 504 gross | 504 charge-off |
|---|---|---|---|---|---|---|
| Hotels and motels | 21 | $55,173,300 | cohort under 30 | 9 | $18,946,000 | cohort under 30 |
| Car washes | 8 | $2,262,300 | cohort under 30 | 11 | $13,005,000 | cohort under 30 |
| Self-storage | 8 | $21,558,000 | cohort under 30 | under 5 | ||
| RV parks and campgrounds | under 5 | under 5 | ||||
| Assisted living and continuing care | 14 | $9,772,500 | cohort under 30 | under 5 | ||
| Gas stations and convenience stores | 11 | $5,228,000 | cohort under 30 | under 5 | ||
| Restaurants, full and limited service | 185 | $76,986,400 | 4.8% | 21 | $18,141,000 | cohort under 30 |
| Fitness and recreational sports centers | 71 | $27,844,900 | 4.2% | 5 | $1,946,000 | cohort under 30 |
| Marinas | under 5 | under 5 | ||||
| Child day care services | 49 | $24,230,200 | cohort under 30 | 18 | $5,753,000 | cohort under 30 |
| All ten classes | 369 | $225,262,600 | 3.6% | 74 | $75,991,000 | 0.0% |
Source: U.S. Small Business Administration, 7(a) and 504 FOIA release, as of June 30, 2026; MMCG cut by member county
USDA feasibility study Boise
USDA Business and Industry and USDA Community Facilities credit runs on a statutory geography rather than on a county line. Under 7 U.S.C. 1991(a)(13)(A) the terms rural and rural area mean any area other than a city or town that has a population of greater than 50,000 inhabitants and any urbanized area contiguous and adjacent to such a city or town. The test turns on the subject address and the urbanized-area boundary around it, not on the name of a county or a metro. For a project in Boise the address decides it. The metro spans five counties, from Ada County at 535,799 residents to Boise County at 8,581, and an urbanized-area boundary follows the census map rather than any county line. MMCG checks the subject address against the USDA Rural Development eligibility map at intake, before work on the study begins, and this page names no town as eligible.
Restaurant feasibility study Boise
A restaurant feasibility study in Boise starts from the metro's own SBA record. Across fiscal years 2010 to 2026 disbursed, full and limited service restaurants account for 185 7(a) loans for $76,986,400 and 21 504 loans for $18,141,000 here, $95,127,400 in all. Hotels and motels come to $74,119,300 over the same years. On the full and limited service restaurants 7(a) loans that have resolved, the charge-off rate is 4.8%.
Underwriting realities behind a defensible Boise study
These are the points an underwriter in Boise reads before the rest of the file. Each traces to a government publisher or to the SBA's own file.
- The SBA record. Fiscal year 2025: 362 7(a) approvals for $152,097,300 and 41 504 approvals for $34,189,000 across the metro's five counties.
- The ten classes tracked here. 35 approvals for $33,649,600 in fiscal year 2025, and $83,208,000 over fiscal years 2023 to 2025.
- USDA geography. The 50,000-inhabitant test of 7 U.S.C. 1991(a)(13)(A) is read at the address, not by county, for a metro of 845,877 residents.
How a Boise feasibility study engagement runs
MMCG starts from the project address, the asset class and the lender or Certified Development Company contact. The address settles the county and the rules set out above; the asset class sets which part of the SBA record applies.
The report names its sources the way this page does: the SBA FOIA release and the Census Bureau's population estimates. The method is set out in full in MMCG's feasibility study methodology.
Cities and counties served in the Boise region
- Principal city in the metro's OMB title: Boise City
- Ada County: 535,799 residents
- Canyon County: 266,892 residents
- Gem County: 21,857 residents
- Owyhee County: 12,748 residents
- Boise County: 8,581 residents
Related Boise and program resources
- The Idaho feasibility study statewide page.
- The feasibility study locations index of every state and metro page.
- Related metro pages: Anchorage feasibility study, Billings feasibility study, Portland feasibility study, Salt Lake City feasibility study, and Seattle feasibility study.
- The edge data center model study in Boise, an MMCG model study.
- The SBA feasibility study and USDA feasibility study program pages.
- The feasibility study index.
About MMCG
MMCG Invest, LLC is a feasibility study consultancy that specializes in SBA and USDA feasibility studies for lenders, Certified Development Companies, USDA Rural Development guaranteed lenders and the borrowers they serve, with Boise among the markets it covers. The practice is led by Michal Mohelsky, J.D., FMVA, Practicing Affiliate of the Appraisal Institute. Reports are prepared under SBA SOP 50 10 8.1 for 7(a) and 504 files and under 7 CFR Part 5001 for USDA files, and each one states which schedule, rate and boundary it relied on so a credit officer can check the work. Pricing starts at $4,900, standard delivery runs 9 to 16 business days, a rush track delivers in 5 business days, and every inquiry receives a response within 12 business hours.
Frequently asked questions
How much does a feasibility study cost in Boise?
Pricing starts at $4,900. The fee is confirmed at intake once the project address, the asset class and the lender or CDC requirements are known.
How long does a Boise feasibility study take?
Standard delivery runs 9 to 16 business days. A rush track delivers in 5 business days, and every inquiry receives a response within 12 business hours. The clock starts once the address, the asset class and the lender or CDC contact are in hand.
How many SBA loans did the Boise metro record in fiscal year 2025?
362 7(a) approvals for $152,097,300 and 41 504 approvals for $34,189,000, summed over the metro's member counties from the SBA FOIA release as of June 30, 2026. In the ten asset classes tracked here the figure is 35 approvals for $33,649,600.
Which counties make up the Boise metro?
The Census Bureau's delineation places 5 counties in the Boise City, ID metro: Ada County, Canyon County, Gem County, Owyhee County, and Boise County.
Which lenders made SBA 7(a) loans in the Boise metro in fiscal year 2025?
By approval count, Zions Bank, A Division of with 71, Idaho Central CU with 48, and U.S. Bank, National Association with 21. On the 504 side, Capital Matrix, Inc. recorded 31. The names are as the SBA released them.
Can a Boise-area project use USDA Business and Industry financing?
It depends on the address. Under 7 U.S.C. 1991(a)(13)(A) a rural area is one outside a city or town of more than 50,000 inhabitants and outside the urbanized area contiguous and adjacent to such a place. In a metro of 845,877 residents that test is still read address by address, so MMCG checks the subject address against the USDA Rural Development eligibility map at intake and names no town as eligible in advance.
Asset classes we study in Boise
Where we work
The same study, prepared to the lender requirements of the state the project sits in.
