Auto Repair Shop Feasibility Study in the Boise City, ID Metro Area
What SBA's own loan files show about automotive mechanical repair (car and truck) lending in the Boise City, ID Metro Area, and what a feasibility study for a project there has to test.
Boise City auto: Idaho shops that look like the national norm
Boise City ranks 44 of 660 among areas for mechanical repair of cars and trucks loans, and mechanical repair of cars and trucks ranks 6 of 39 in Boise City itself. The location quotient of 1.01x puts the Boise class at its country-wide weight, with no overweight or shortfall to explain. The record has 52 loans for $25.3 million, FY2017 to FY2026; the cell is, in practice, the Ada County market. The Boise City median of $242,000 equals 1.03x of the national auto repair shop median; ordinary auto repair shop loans run $97,325 to $569,125.
Boise City auto repair shop lending leans on SBA 7(a) for 43 loans, with SBA 504 behind 9. Ada County shows 43 loans. The 7(a) table lists Zions Bancorporation, National Association: 7 loans, $2.6 million. Read the Boise City lender lines as SBA’s ledger of holders, so Zions Bancorporation, National Association’s policy goes unjudged. Holdings are the statement. For auto repair shop loans in Boise City, the charged-off rate plus franchise ties stays out of print as the cohort is too small; none is inferred.
Of auto repair shop approvals in Boise City, approval years FY2017 to FY2024 ended cancelled, 15.0% at least, and reality may run higher. Undisbursed auto repair shop loans in Boise City counted as cancelled leave the ceiling at 15.0%, unchanged. $2.1 million across 6 loans in FY2017; $2.2 million across 8 loans in FY2021; and $4.7 million across 5 loans in FY2024.
Only one lender is named in this cell, which leaves little to compare; the study itself has to carry the burden of showing demand and cost.
What a Boise repair shop study tests
In Boise City, a shop that fixes trucks and one that fixes cars share a code, while body, paint, interior, glass and in Boise City oil change work are elsewhere. For Boise City, each auto repair shop loan is placed using the financed site’s county within July 2023 area definitions. Where a financed site's county does not map to any 2023 area, the loan drops out of this count. A study should test bays against the local vehicle base, technician supply, the site and its zoning, and a payment that holds if work orders slow. The middle half of Boise City loans runs from $97,325 to $569,125, and the 7(a) program carries 43 of the 52 loans against 9 under SBA 504. None of this pledges credit.
SBA automotive mechanical repair (car and truck) loans in the Boise City, ID Metro Area
| Loans approved, FY2017 to FY2026 | 52 |
|---|---|
| Gross dollars approved | $25.3 million |
| Median loan | $242,000 |
| Middle half of loans, from | $97,325 |
| Middle half of loans, to | $569,125 |
| SBA 7(a) loans | 43 |
| SBA 504 loans | 9 |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for automotive mechanical repair (car and truck) loans | 44 of 660 |
| Rank of automotive mechanical repair (car and truck) among the classes in this area | 6 of 39 |
| Location quotient (share of loans against the national share) | 1.01x |
| Median loan against the national median for the class | 1.03x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 15.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 15.0% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA automotive mechanical repair (car and truck) loans approved in the Boise City, ID Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 6 | $2.1 million |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | 8 | $2.2 million |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | 5 | $4.7 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Zions Bancorporation, National Association | 7 | $2.6 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Ada County, ID | 43 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
Truck service cannot be separated from car repair. Not in this class: body, paint and interior 811121, glass 811122, oil change 811191 and all other automotive repair 811198.
Shared code: Truck repair shops are indexed to 811111 with car repair.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-14260-C28.
Related feasibility study pages
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- Feasibility Study Data for the Boise City, ID Metro Area
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- Feasibility studies for SBA 7(a) and 504 loans
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