SBA 7(a) Loans in Montana
Browse 31 lenders offering sba 7(a) loans in Montana. Compare rates, requirements, and loan programs — then connect directly.
SBA 7(a) Lenders in Montana
31 lenders offering sba 7(a) loans to borrowers in Montana.
Live Oak Banking Company
WILMINGTON, 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.
Newtek Bank, National Association
Miami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
Cincinnati, 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.
Celtic Bank Corporation
SALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Harvest Small Business Finance, LLC
Laguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
Readycap Lending, LLC
BERKELEY 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
LOS 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
Sioux 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.
First Bank of the Lake
Osage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
DE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
CenTrust Bank, A Division of SmartBiz Bank National Associat
Northbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Community Bank & Trust-West Georgia
LAGRANGE, GA
Community bank in West Georgia and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions and commercial real estate with a focus on hospitality and franchise businesses.
Zions Bank, A Division of
SALT 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.
America First FCU
RIVERDALE, UT
Utah's largest credit union offering SBA 7(a) loans, commercial real estate, and business banking with competitive credit union rates. Serves members primarily in Utah, Nevada, and Arizona.
Bank Five Nine
OCONOMOWOC, WI
Oconomowoc, Wisconsin-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. A trusted lender serving businesses throughout southeastern Wisconsin.
Bank of America
Charlotte, NC
One of the largest US banks. Commercial real estate lending, construction financing, and SBA loans through nationwide branch network.
Ready Capital
New York, NY
Nationwide commercial lender offering bridge, permanent, and SBA loans. Specializes in small to mid-balance CRE loans ($1M-$35M).
TD Bank
Cherry Hill, NJ
Top-10 US bank with commercial real estate and SBA lending. Investor-friendly with quick approvals. Strong in eastern US markets.
US Bank
Minneapolis, MN
Fifth-largest US bank. CRE lending including construction, permanent, and SBA loans. Strong in multifamily and affordable housing.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
About SBA 7(a) Loans in Montana
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In Montana, 31 lenders currently offer SBA 7(a) financing with loan amounts from $25K to $5M and rates typically ranging from Prime + 1.5% to 3.75%.
Montana Market Overview
Montana's economy is growing rapidly, with cities like Bozeman and Missoula attracting remote workers and technology companies. The state's natural beauty drives significant tourism and recreation-related CRE demand.
Montana has no state sales tax, which benefits retail-oriented commercial properties and reduces occupancy costs for tenants. The Bozeman market has seen some of the fastest commercial rent appreciation in the Mountain West, driven by tech worker migration and proximity to Big Sky and Yellowstone. Montana's relatively limited commercial property inventory outside of a few key metros means lenders and investors face thin comparable sales data, which can complicate appraisals and underwriting.
Who Should Consider SBA 7(a) Loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
Key Requirements
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Pros and Cons
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
SBA 7(a) Loans FAQ
How long does an SBA 7(a) loan take to close? ▼
Can I use an SBA 7(a) for real estate? ▼
What's the difference between SBA 7(a) and 504? ▼
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