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Capital Matrix logo

Capital Matrix

Listed
Direct business lender for sBA 504 loans and equipment financingBoise, IdahoBased in Idaho; service area not yet provided
BBLL 000419Listed Nov 2026From public recordsLast checked Nov 1, 2026
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About

Capital Matrix provides SBA 504 financing for owner-occupied real estate and equipment in Idaho and its wider western service area.

Direct business lender. Directly funds business financing; products and terms depend on the lender.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

SBA 504 loansEquipment financingCommercial real estate loans
General small business
From the lender's own site and public records.

A second look at Capital Matrix

Capital Matrix provides SBA 504 financing for owner-occupied real estate and equipment in Idaho and its wider western service area.

Capital Matrix, Inc. is a private nonprofit SBA-regulated Certified Development Company administering the 504 portion alongside a participating lender.

Published by Levr, not by Capital Matrix. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked November 1, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

SBA 504 fixed-asset financing

Eligible projects
Land, construction, building purchase or renovation, equipment and eligible fixed-asset refinancing are listed uses.
Structure
A typical project combines 50% bank or credit-union financing, 40% CDC/SBA financing and 10% borrower equity.
Repayment
The SBA portion offers fixed rates with 10-, 20- or 25-year terms and no balloon; the lender portion has separately negotiated terms.
Coverage
The organization lists Idaho, eastern Oregon, Washington, Montana and Utah as its service area.

Provider sources: SBA 504 program · About Capital Matrix

When it may fit

Our assessment of the published programs

  • Eligible small businesses buying or improving long-lived operating assets in the listed service area.

What to weigh carefully

  • The 50/40/10 example is a typical structure; equity and eligibility depend on the project.
  • Confirm the SBA and third-party loan terms separately, including fees and prepayment requirements.

Questions before you accept an offer

  1. Which program and legal financing entity will fund this request?
  2. What security, owner contribution, fees and repayment conditions apply?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Evergreen Business Capital

Evergreen Business Capital provides SBA 504 financing in the Pacific Northwest.

PNC Bank

PNC offers SBA lending nationally for qualifying fixed-asset projects.

The lender

Type
Direct business lender
Legal name
Not yet provided Add it
Founded
1983
Charter
Not yet provided Add it
Headquarters
Boise, Idaho
Service area
Based in Idaho; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
SBA 504
Also lends to consumers
Not yet provided Add it
Website
capitalmatrix.org
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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All of Idaho
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