Is The Bank of Commerce a good SBA lender?

The Bank of Commerce has funded 220 SBA loans totaling $38.6M in volume across 7 states, with an average loan size of $176K. The lender's default rate is 714.00%. Whether they are the right fit depends on your deal profile — loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to The Bank of Commerce or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at The Bank of Commerce?

The average SBA loan size at The Bank of Commerce is $176K, with a range from $5K to $4.0M. This profile suggests they are best suited for borrowers seeking smaller businesses, working capital, and franchise startups.

What states does The Bank of Commerce lend in?

The Bank of Commerce actively lends across 7 states. Their highest-volume state is Idaho. Other top states include Montana, Utah, Arizona. Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does The Bank of Commerce fund franchise loans?

Yes — The Bank of Commerce has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is PLUNJ, followed by A&W, CertaPro Painters, Stella's Ice Cream. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does The Bank of Commerce prefer?

The Bank of Commerce's highest-volume SBA industry by NAICS code is Limited-Service Restaurants. Other active sectors: Personal Care Services, Building Material & Garden, Gasoline Stations. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to The Bank of Commerce?

PeerSense matches your specific SBA deal to The Bank of Commerce based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads — we curate fit. No retainer; lender pays referral fee at closing.

SBA LenderIdahoActiveSmall Business

The Bank of Commerce

SBA lender based in Idaho serving 7 states and 45 industries

Quick Answer

The Bank of Commerce has funded 220 SBA loans across 7 states and 45 industries. Their average loan size is $176K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against The Bank of Commerce and 897+ alternatives based on closing probability + pricing.

Geographic Reach

7 States

Regional focus

Industry Coverage

45 Industries

Diverse lending portfolio

Lending Activity

Active

Small Business focus

Top Lending States

Idaho#1

Montana#2

Utah#3

Arizona#4

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Industry Focus Areas

Limited-Service Restaurants

NAICS 722

Personal Care Services

NAICS 812

Building Material & Garden

NAICS 444

Gasoline Stations

NAICS 447

Specialty Trade Contractors

NAICS 238

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Why borrowers choose The Bank of Commerce

The Bank of Commerce is best suited for borrowers seeking small-business working capital, startup, and franchise loans, with an average SBA loan of $176K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Idaho. With 220 SBA loans funded across 7 states, they operate as a regional specialist anchored in Idaho. Their portfolio default rate is 714.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against The Bank of Commerce and 897+ alternatives.

Recent SBA Activity at The Bank of Commerce

Franchise lending: The Bank of Commerce has funded SBA loans for multiple franchise concepts, with the highest volume in PLUNJ, A&W, and CertaPro Painters. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.

Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Personal Care Services, and Building Material & Garden. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are Idaho, Montana, Utah, and Arizona. Lenders typically underwrite faster in states where they already have closing comps.

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Compare The Bank of Commerce to Similar SBA Lenders

Other SBA lenders headquartered in Idaho with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.

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D. L. Evans Bank

1,219 loans$133K avg7 states

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Idaho First Bank

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Idaho Central CU

399 loans$540K avg8 states

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Wells Fargo Bank National Association

128,156 loans$262K avg55 states

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Bank of America, National Association

105,168 loans$87K avg52 states

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About The Bank of Commerce SBA Lending

The Bank of Commerce is an SBA lender headquartered in Idaho. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

The Bank of Commerce serves borrowers across 7 states and 45 industry sectors with a regional lending focus. To find out whether The Bank of Commerce is a good fit for your specific deal, reach out to PeerSense for a free lender match.

PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.

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