Idaho Lending

Private Money Lender in Idaho

Bridge financing for Idaho real estate investors and developers, from the Treasure Valley to the Panhandle, with closings as fast as 14 days.

Loan Size

$750K – $4M

Loan Rate

10%–13%

LTV

up to 65%

Term

3–12 months

Close In

As fast as 14 days

Salt Lake City

Miller Bates is a private money lender headquartered in Salt Lake City, Utah, and Idaho is one of the ten states we lend into. We finance Boise, Meridian, Nampa, Coeur d'Alene, and Idaho Falls, and we look at deals across Ada, Canyon, Kootenai, and Bonneville counties as well as smaller markets throughout the state.

Idaho is a natural extension of our home market — close enough to underwrite with the same regional knowledge we apply in Utah. The Treasure Valley in particular generates consistent demand for land and residential development capital.

Loans typically run $750,000 to $4,000,000, with rates of 10%–13%, LTV of up to 65%, and terms of 3–12 months with optional 1–12 month extensions. Every loan is secured by a first-position deed of trust on real property plus the borrower's personal guaranty, and every loan closes through a title company and an attorney.

What We Fund

Idaho project types

Residential investment property — acquisition, renovation, and repositioning of non-owner-occupied homes and small multifamily.
Raw and improved land — entitled and unentitled parcels, lot development, and horizontal improvements.
Commercial real estate — retail, office, industrial, and special-purpose assets.
Mixed-use — combined residential and commercial projects.
Bridge and refinance — short-term capital to close quickly, retire an existing loan, or hold a property through a transition.

Not sure whether your deal fits? Tell us about it — we will give you a straight answer quickly.

Idaho FAQ

Common questions from Idaho borrowers

Does Miller Bates lend throughout Idaho?

Yes. We lend across Idaho, with activity concentrated around Boise, Meridian, Nampa, Coeur d'Alene, and Idaho Falls.

What types of Idaho properties does Miller Bates lend on?

Residential investment properties, raw and improved land, mixed-use, and commercial real estate. Loans typically range $750,000 to $4,000,000.

What are Idaho bridge loan rates through Miller Bates?

Loan rates typically range 10%–13% APR with LTV of up to 65% and terms of 3–12 months with optional extensions.

How quickly can Miller Bates close a Idaho bridge loan?

As soon as 14 days from approval to funding, depending on title work and due diligence.

Does Miller Bates have an office in Idaho?

No. We are headquartered in Salt Lake City and lend into Idaho from that office. Every loan closes through a title company and an attorney, and we have been lending since 2015 — with a predecessor firm dating to 2003.

Get funded in Idaho

Tell us about your deal. We'll get back to you within 24 hours.

Get Funded Invest With Us