SBA Lender of the Year-05
This is our specialty. 

At D.L. Evans Bank, we know it is what we do together in business that makes a positive difference in the communities that we serve. For many small businesses, an SBA loan is the best financing option. It provides distinct business advantages such as longer repayment terms, a lower monthly payment, and oftentimes a lower down payment. 

Our bank is a designated SBA Preferred Lender. This gives us the delegated authority to process and approve SBA loans on behalf of the U.S. Small Business Administration. When you apply for an SBA loan with us, you'll experience a streamlined and expedited process — from application to closing.

We are here to help! It is our mission to assist small business owners to achieve their dreams by providing SBA products and services in a timely fashion. Whether you are starting a new business, seeking additional working capital, making improvements or purchasing commercial real estate, there are SBA programs to assist you.

D.L. Evans Bank is recognized as a top SBA lender in the communities that it serves. Our knowledgeable loan officers, dedicated SBA Department, local decision-making, and ability to service your loan in one of our 30+ branches are available to meet your needs and to exceed your expectations.

Inquire or apply now, and an experienced loan officer will be in contact with you soon!

Details
  • Financing for businesses that might otherwise have difficulty getting approved
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And more
  • Generally lower down payments and extended terms
  • Local decision-making
  • Attentive, friendly service from start to finish

Learn More

SBA Training Center.

SBA Express Term Loan

SBA Express Term Loans are an expedited version of the SBA 7(a) Loan.  To help finance your multiple business needs, we can individually adapt a loan to your goals.

D.L. Evans Bank is a Preferred Lender with the SBA, and is recognized as a top SBA lender in the communities that it serves. Our knowledgeable loan officers, dedicated SBA Department, local decision-making, and ability to service your loan in one of our 30+ branches are available to meet your needs and to exceed your expectations.

  • Purpose
    • Working Capital
    • Inventory
    • Equipment
    • Furniture/Fixtures
    • Debt Refinance
    • Business Acquisition
    • Land
    • Real Estate
    • Tenant Improvements
      Multi-purpose business needs can be financed in one loan for ease of processing and repayment.
  • Loan Amount
    • Up to $350,000
  •  Interest Rate
    • May be fixed for variable, and is based on Wall Street Journal Prime plus a margin
  • Payment Terms
    • Up to 10 years for non-real estate purposes
    • Up to 25 years for real estate
    • No balloon payment and lower monthly payments
  • Fees
    • SBA guaranty fee of 2-3% of the guaranteed portion of the loan. Exceptions may apply!
    • SBA packaging and bank soft costs
    • Fees are allowed to be financed in the loan
  • Down Payment
    • Minimum of 10% for start-up companies and business acquisitions
  • Pre-Payment Penalty
    • Loans with a repayment term of 15 years or more will have a pre-payment penalty in the first three years (5%-1st year, 3%-2nd year, and 1%-3rd year)
SBA Express Line of Credit

In growing your business, access to working capital can assist with cash flow and meet your short-term needs such as the purchase of inventory, the payment of accounts payable, and the funding of operating expenses (payroll, rent, etc.).

D.L. Evans Bank is a Preferred Lender with the SBA, and is recognized as a top SBA lender in the communities that it serves. Our knowledgeable loan officers, dedicated SBA Department, local decision-making, and ability to service your loan in one of our 30+ branches are available to meet your needs and to exceed your expectations.

  • Purpose
    • Working Capital
  • Loan Amount
    • Up to $350,000
    • Interest Rate
      • Variable, and is based on Wall Street Journal Prime plus a margin
    • Repayment Terms
      • Up to 10 years with a 5-year revolving period of interest-only payment and a 5-year, term-out period of principal and interest payments
    • Fees
      • SBA guaranty fee of 2-3% of the guaranteed portion of the loan. Exceptions may apply!
      • SBA packaging fee and other bank costs
      • Fees are allowed to be financed in the loan
    • Down Payment
      • Does not apply
    • Pre-Payment Penalty
      • Does not apply
    SBA 7(a) Term Loan

    The SBA 7(a) loan is a term loan that offers flexibility and affordability to businesses that are looking to start a business, to purchase equipment, to acquire real estate, or to fund permanent working capital. The SBA 7(a) loan is competitive with other loan products, and it offers longer repayment terms with no balloon payment, a lower down-payment requirement, and comparable interest rates and loan fees.

    D.L. Evans Bank is a Preferred Lender with the SBA, and is recognized as a top SBA lender in the communities that it serves. Our knowledgeable loan officers, dedicated SBA Department, local decision-making, and ability to service your loan in one of our 30+ branches are available to meet your needs and to exceed your expectations.

    • Purpose
      • Working Capital
      • Inventory
      • Equipment
      • Furniture/Fixtures
      • Debt Refinance
      • Business Acquisition
      • Land
      • Real Estate
      • Tenant Improvements
        Multi-purpose business needs can be financed in one loan for ease of processing and repayment.
    • Loan Amount
      • Up to $5,000,000
    • Interest Rate
      • May be fixed or variable, and is based on the Wall Street Journal Prime plus margin
    • Repayment Terms
      • Up to 10 years for non-real estate purposes
      • Up to 25 years for real estate
      • No balloon payment and lower monthly payments
    • Fees
      • SBA guaranty fee of 2-3.75% of the guaranteed portion of the loan. Exceptions may apply!
      • SBA packaging fee and other bank costs
      • Fees are allowed to be financed in the loan
    • Down Payment
      • Minimum of 10% for start up companies and for business acquisitions
    • Pre-Payment Penalty
      • Loans with repayment term of 15 years or more will have a pre-payment penalty in the first three years (5%-1st year, 3%-2nd year, and 1%-3rd year)
    SBA 504 Loan

    If your business is looking to expand by acquiring long-term fixed assets such as commercial real estate or equipment, D.L. Evans Bank offers SBA 504 loans to meet your needs. To complete the SBA 504 loan, the bank will partner with a certified development company (CDC), which represents the SBA. The bank finances up to 50% of the project, the CDC finances up to 40% of the project, and the Borrower provides the remaining portion of the project.

    D.L. Evans Bank is a Preferred Lender with the SBA, and is recognized as a top SBA lender in the communities that it serves. Our knowledgeable loan officers, dedicated SBA Department, local decision-making, and ability to service your loan in one of our 30+ branches are available to meet your needs and to exceed your expectations.

    • Purpose 
      • Equipment
      • Land
      • Construction of Real Estate
      • Purchase of Real Estate
    • Loan Amount
      • Up to $5,000,000
    • Interest Rate
      • The Bank's interest rate may be fixed or variable
      • The CDC's interest rate is fixed
    • Repayment Terms
      • The Bank's term is up to 10 years, but may be amortized over 20 years for lower monthly payments
      • The CDC's term is up to 10 years for equipment and up to 25 years for real estate, with no balloon payment
    • Fees
      • SBA guaranty fee and other Bank and CDC costs
      • Fees are allowed to be financed in the loan
    • Down Payment
      • Minimum of 10% with an additional 5% for start-up companies and 5% for special-use properties
    • Pre-Payment Penalty
      • The Bank's pre-payment penalty may be up to 10 years
      • The CDC's pre-payment penalty is 10 years

    SBA Resources

    Whether you are starting a business or growing an existing one, there are many resources that are available to assist you. Visit any of the following websites to learn more about upcoming workshops and events, and to find other helpful information to make you and your business a success.

    D.L. Evans Bank is a Preferred Lender with the SBA, and is recognized as a top SBA lender in the communities that it serves. Our knowledgeable loan officers, dedicated SBA Department, local decision-making, and ability to service your loan in one of our 30+ branches are available to meet your needs and to exceed your expectations.

    Small Business Resources:

    Veteran-Owned Business Resources:

    Women-Owned Business Resources:

    • SBA Women's Contracting Program: sba.gov/wosb
    • ChallengeHER - Opportunities For Women In Federal Contracting: wipp.org

    Minority-Owned Business Resources:

    The smart solution for your smart growth.

    SBA Department | 6010 Fairview Ave., Boise, ID 83704 | Tel 208.672.6645