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Small Business Loans in Montana

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10 Small Business Loans in Montana

Our compilation is a product of exclusive research into small business financing providers in Montana, using confirmed data. The organizations are ranked according to the number of small business loans they've dispensed within the current year.

Essentially, this means the financial institutions and lenders listed are the ones that issue the most loans to small businesses in the state.

(This sets us apart from many other online sources, which often highlight non-lending nonprofit entities and government initiatives that are out of reach for many businesses!)

Takeaway: Most small business lending in Montana is done by small by local, Montana-based banks. There are plenty of financing options for farmers. 

Methodology: Drawing from SBA 7a loan information, each lender mentioned provides SBA loans. Additionally, we've cataloged the various small business lending options they advertise on their websites. 

Given the reality that conventional banks often demand strong credit ratings and a business history of more than two years, our compilation begins with two financing solutions aimed at small business proprietors grappling with poor credit and a brief tenure in their venture.

1. Credit Suite

Credit Suite stands out as a firm specializing in business credit consultation and software solutions, further enriched by offering a pair of unconventional financing options.

Their Cash Flow Financing is particularly advantageous for entrepreneurs who've been in the field for several years but have minimal credit score prerequisites.

It allows you to use your business's cash flow as collateral to secure adaptable financing solutions. Instead of adhering to rigid monthly repayments, the amount you return is calculated as a portion of your business's continuous cash flow.

The Credit Line Hybrid provides capital exclusively based on the caliber of individual credit, circumventing the need for detailed financial documents, bank statements, or elaborate business models. It's crafted for startups and established ventures, with available funding ranging from $5,000 to $150,000. 

Business financing options offered:

  • Credit Suite Cash Flow Financing
  • Credit Suite Credit Line Hybrid
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2. Wells Fargo Bank, National Association

Wells Fargo, a prominent national bank likely familiar from its presence in many towns, offers a surprisingly limited selection of small business financing products considering its size. However, its placement on this list is justified by the significant volume of loan transactions it manages to execute. 

Business financing options offered:

  • SBA 7a Loans & 504 Loans

  • 2 Business Lines of Credit

  • Practice Financing

3. Glacier Bank

Glacier is a small bank only in Montana. They don’t offer much information about each loan, but they appear to have a wide array of options for Montana business owners.

Business financing options offered:

  • SBA Loans

  • USDA loans

  • Equipment loans

  • Commercial real estate loans

  • Business overdraft lines of credit

  • It looks like they have 1 business credit card

4. US Bank

US Bank stands out as a major national bank known for its wide array of business lending options. With numerous physical locations, it's a familiar sight in many communities. 

Business financing options offered:

  • US Bank Quick Loan

  • Business Term Loan

  • Commercial Real Estate Loan

  • Equipment Financing

  • SBA Loans

  • Dental, Medical, and Vet Practice Loans

  • Business Line of Credit

  • Manage Cash Flow

  • Business Equity Line of Credit

  • Business Reserve Line

  • 4 Business Credit Cards

5. The Yellowstone Bank

Yellowstone Bank only lists three types of business financing on their website, and doesn’t give much information about them. But, as their name implies, they have a heavy local presence, including about a dozen bank branches throughout the state.

Business financing options offered:

  • Commercial Loans

  • Agriculture Loans

  • Business Credit Cards

6. Bank of Bridger

Bank of Bridger only has two business financing options and very little information about them on their website.

Business financing options offered:

  • Agricultural Lending

  • SBA Loans

7. First Interstate Bank

First Interstate has a solid lineup of normal business financing options.

Business financing options offered:

  • Commercial Real Estate Loans

  • Agriculture Lending

  • SBA Loans - 7a, 504, and Express

  • 2 Business Credit Cards

8. Montana Community Development Corp

Montana Community Development Corporation, also known as MoFi, serves people in the Rocky Mountain West states. As their name implies, they are not a bank. Their website states, "MoFi provides loans to people who can’t get the money they need from banks and credit unions.”

Business financing options offered:

  • They don't offer much information about the types of business loans they offer. They simply say, "Start, purchase, or grow your business - MoFi's business loans start at $1,000 - MoFi terms are tailored for each customer.”

  • SBA 7a loans

9. BayFirst National Bank

BayFirst National specializes in SBA loans, boasting "Lightning Fast Business Loans!" and "In-house team, quick funding" on their website. The presence of an internal underwriting team means they can offer both speed and proficiency in processing loans.

Given that SBA loans typically require a lengthy time to secure funding, this capability provides them with a significant edge.

Business financing options offered:

  • SBA Loans

  • Commercial Real Estate Loans

  • Commercial Term Loans

  • Commercial Lines of Credit

  • Construction Loans

  • Heavy Equipment Financing

10. Valley Bank of Ronan

Valley Bank of Ronan is also known as Valley Banks. They serve seven different communities in Montana. They have very little information about the business loans offered below on their website.

Business financing options offered:

  • Line of Credit

  • Short term loans

  • Long term loans

  • SBA 7a loans

How to apply for a small business loan in Montana

Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!

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