• The July effective interest rate for a 20 year 504 loan is 4.76%, and the rate for a 10 year 504 loan is 4.50%
  • Clint Shiflet, Senior VP & Area Manager at Idaho Central Credit Union in Meridian, named the 2016 SBA 504 Lender of the Year. Congratulations and thank you, Clint!
  • IDAHO CENTRAL CREDIT UNION was named the 2016 SBA 504 Financial Institution of the Year. "Thank you", Idaho Central Credit Union for all you do to help businesses grow!
  • SBA 504 loans approved during FY2016 now how lower fees! The "up front" SBA Guarantee Fee has been reduced from 0.5% to zero. The ongoing SBA Guarantee Fee (paid annually) is reduced from 0.9375%, or 93.75 basis points per annum, to 0.914% or 91.4 basis points per annum of the outstanding balance of the loan. The total administrative costs lowered from 2.65% to 2.15%.

Capital Matrix | About Capital Matrix

Capital Matrix is a private, non-profit corporation licensed and regulated by the U.S. Small Business Administration to administer the SBA 504 loan program.  Capital Matrix was created in 1983 through the initiative of the City of Boise, the Boise Chamber of Commerce and a group of local business owners.  They recognized the importance of supporting the growth of small businesses and the benefits the 504 loan program would bring to those businesses and to the economy of the region.  Capital Matrix serves businesses in Idaho, eastern Oregon, and eastern Washington, and since its inception, has assisted over a thousand companies.

By advocating for businesses and partnering with private sector lenders, Capital Matrix provides businesses access to long-term capital for real estate and equipment needed to expand their businesses.  We are proud to have played a role in the economic growth of our region.

   - Assisting more than 1,000 companies
   - Providing over $330 million in financing
   - Helping businesses create more than 8,500 jobs

Capital Matrix has received the CDC of the Year award from the Boise District Office of the SBA since 2008.

Capital Matrix is an Accredited Business and member of the Better Business Bureau.

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