SBA 504 Loans in Bozeman, MT
Find lenders offering sba 504 loans in the Bozeman, including Belgrade, Livingston, and surrounding areas. Compare rates, terms, and programs from 10 lenders.
SBA 504 Lenders Serving Bozeman
10 lenders offering sba 504 loans in the Bozeman, MT area.
Big Sky Economic Development Corporation
Local SBABillings, MT
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
Zions Bank, A Division of
SBASALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
Capital Matrix, Inc.
SBABoise, ID
Boise, Idaho-based nonprofit Certified Development Company administering SBA 504 loans since 1983. Has provided over $600 million in financing to more than 1,600 companies across Idaho and the Pacific Northwest.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Dakota Business Lending
SBAFargo, ND
Bozeman Commercial Real Estate Market
Bozeman is one of the fastest-growing micropolitan areas in the United States, with a CRE market that has been transformed by technology company relocations, Montana State University expansion, and proximity to world-class ski and outdoor recreation. The Main Street downtown corridor has near-zero retail vacancy and commands rents competitive with much larger Western cities. The North 19th Avenue corridor and the Gallatin Valley Mall area serve as the primary suburban commercial zones, while the MSU Innovation Campus is attracting research and tech tenants. Bozeman Yellowstone International Airport has become Montana's busiest, driving hotel and hospitality development along the I-90/Jackrabbit Lane interchange.
Key Economic Drivers
- ●Montana State University and its growing research park and technology transfer programs
- ●Tech company relocations including Oracle, Workiva, and numerous startups drawn by lifestyle appeal
- ●Bozeman Yellowstone International Airport — Montana's busiest — driving tourism and hospitality CRE
- ●Big Sky Resort and Yellowstone National Park gateway tourism supporting seasonal hospitality demand
Market Insight
Bozeman's home prices and commercial rents have more than doubled since 2018, making it one of the most expensive small markets in the Mountain West — yet development is constrained by water and sewer infrastructure capacity, limiting new supply and supporting continued asset value appreciation.
SBA 504 Loans in Bozeman, Montana
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Bozeman metro area, borrowers can access 10 lenders offering SBA 504 financing, including Belgrade, Livingston, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who Should Consider SBA 504 Loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
Key Requirements
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
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