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Business Loans

When you want to build your business without breaking the bank, we’ve got a loan for that.

Whether you’re looking to expand, purchase equipment, increase inventory, hire more employees, or consolidate debt, a business loan is the way many business owners get growing. 

Mountain West Bank offers a revolving line of credit for business working capital and operating expenses. Simply write a check from your business checking account and you'll automatically have the funds you need.
For more detailed information on rates, terms, collateral options and additional services, please visit with any member of our commercial lending team.
Mountain West Bank offers term loans with a variety of collateral and term options to companies or individuals that have demonstrated cash flow to service the debt.
To begin your application process, find a lender.

Mountain West Bank offers real estate loans for the purpose of purchasing or refinancing eligible property types for owner-occupied properties including unimproved property, and selectively, for professional real estate investors exhibiting financial strength and liquidity.

To begin your application process, find a lender. 

  • Local lenders and local approvals
  • Quick turn around time
  • Competitive pricing
  • USDA financing options available with as little as 10% down for some owner-occupied properties. 

Mountain West Bank offers construction loans to provide the flexibility needed during the construction phase of your building project. Construction and permanent financing can often be obtained with a single approval and closing. 

  • Local lenders and local approvals
  • Competitive pricing
  • Quick turnaround time on draws and loan closings
  • Land development and lot financing
  • Spec and pre-sold home loan programs for builders
  • A variety of loan programs for builders and their customers

To begin your application process, find a lender. 

Mountain West Bank is a Preferred SBA Lender

Small Business Administration Loans are extended by the bank with the guarantee of the federal government. This type of loan enables your business to obtain secured financing when conventional collateral might not be adequate. Mountain West Bank, as a Preferred SBA Lender, may be able to approve and process your SBA loan right here at our bank.

To speak with a Mountain West Bank SBA lending expert, contact a lender.

For more information about the Small Business Administration, visit,

We Offer the following SBA Loans:  

SBA Express or (SLA) Small Loan Advantage
Quick application and approval - up to $350,000 revolving or term for up to 7 years for working capital. Equipment loans can be up to 10 years and real estate loans up to 25 years.

SBA 7a or PLP
Long form application - $350,001.00 to $5 million term loans with maximum maturities of 25 years for real estate, 10 years for equipment, and generally 7 years for working capital. 

SBA 504 Program
The 504 Certified Development Company Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. 

SBA Caplines
This SBA program helps small businesses meet their short-term and cyclical working capital needs. Maximum loan amounts under this program are generally $1.3 million. There are several working capital loan programs. Contact one of our Business Bankers listed below for more information. 

SBA Export Revolving Lines of Credit
This program is designed to provide short-term working capital to exports.

To begin your application process, find a lender. 

We proudly serve the communities of Coeur d Alene, Post Falls, Hayden, Ponderay, Sandpoint, Bonners Ferry, Boise, Meridian, Nampa, Eagle, Ketchum, & Hailey, Idaho, Spokane, North Spokane, Newport, & Ione Washington.