Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Idaho. Current commercial loan rates in Idaho range from 5% to 12.95%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of ID.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.
Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.
Idaho’s commercial lending market is active but disciplined. Lenders remain attracted to population growth, in-migration, and business expansion, but underwriting has tightened from peak-cycle levels. Credit decisions emphasize cash-flow durability, realistic leverage, and defensible exit assumptions rather than pure growth narratives.
Owner-occupied properties are among the most lender-friendly transactions in Idaho, especially when backed by established local businesses with documented operating history.
Industrial and flex properties tied to manufacturing, distribution, and regional supply chains tend to underwrite well, particularly in Boise and along major transportation corridors.
Stabilized multifamily can still obtain financing when occupancy and collections are solid, though lenders closely review recent rent growth and operating expenses.
Service-based and necessity retail (medical, grocery-adjacent, local services) remains financeable when tenant quality and lease durability are strong.
Office properties face increased scrutiny, especially suburban and older product with limited tenant depth.
Value-add and transitional deals require more equity and clearer stabilization plans, as lenders discount aggressive rent growth assumptions.
Speculative development is generally difficult to finance without significant pre-leasing or strong borrower equity.
Boise Metro: The most lender-active and competitive market, with strong appetite for industrial, owner-occupied, and stabilized multifamily assets.
Secondary cities (Idaho Falls, Twin Falls, Coeur d’Alene): Financing is available but more conservative, with lenders emphasizing sponsor strength and local demand.
Rural markets: Credit becomes relationship-driven, with lower leverage and a focus on essential-use properties.
Community and regional banks dominate the market, with approvals strongly influenced by borrower relationships and local knowledge.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
National and institutional lenders participate selectively, usually for larger, stabilized assets in primary markets.
Expense realism is closely reviewed, particularly utilities, insurance, and maintenance.
Market liquidity is stressed in exit scenarios, especially outside Boise.
Sponsor experience and post-close liquidity play a major role in credit decisions.
A strong Idaho loan request typically includes conservative leverage, stable historical NOI, strong guarantors, and a straightforward business plan.
Deals relying on aggressive rent growth or rapid repositioning tend to struggle.
Idaho is a capital-available but underwriting-driven lending market. Owner-occupied, industrial, and essential-use properties offer the clearest paths to financing, while office and speculative projects face tighter terms.
We are proud to be serving the state of Idaho. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Idaho cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Idaho economic reports to get a better understanding of your market.
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What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
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