Montana’s commercial real estate market has experienced rapid growth driven by remote worker migration, outdoor tourism, and a growing tech sector in Bozeman. Prices have risen significantly in the Bozeman-Missoula corridor, creating strong equity and refinancing opportunities. Billings remains the state’s commercial center with consistent healthcare and retail demand.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Montana and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Montana typically close in 5–15 business days.
Commercial Loan Programs Available in Montana
We offer every major commercial loan program in Montana, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Montana.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Montana.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Montana.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Montana.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Montana markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Montana.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Montana.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Montana
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Montana Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Montana |
Cities We Serve in Montana
We lend on commercial properties throughout Montana, including Billings, Missoula, Great Falls, Bozeman. If the property is in Montana — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Montana Borrowers Choose Us Over Local Banks
Local banks in Montana are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Montana commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Montana
Do I need a Montana business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Montana.
How fast can you close a commercial loan in Montana?
Most Montana commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Work Best in Montana?
Hard money and bridge loans are popular in Montana for fast acquisitions in Bozeman and Missoula’s competitive markets. DSCR loans work well for Montana’s strong short-term rental and vacation property market. Stated income programs are popular for the state’s self-employed and remote-working borrowers.
What is the minimum loan amount for commercial loans in Montana?
Our minimum loan amount is $150,000 for commercial properties in Montana. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Montana? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Montana
We lend in every market in Montana. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Billings, Montana
Billings is Montana’s largest city and commercial hub, with demand driven by energy, healthcare, and retail serving a large regional population. Commercial properties here are more affordable than western Montana while offering consistent fundamentals. SBA and hard money loans are popular for Billings’s diverse business community.
Commercial Loans in Missoula, Montana
Missoula is anchored by the University of Montana and a growing remote-worker population, creating strong and consistent multifamily and retail demand. The downtown commercial market has seen significant investment. Bridge and DSCR loans are widely used for Missoula’s competitive and fast-moving investment market.
Commercial Loans in Great Falls, Montana
Great Falls is one of Montana’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Great Falls with same-day responses and no upfront fees.
Commercial Loans in Bozeman, Montana
Bozeman has become one of the West’s hottest commercial real estate markets, driven by explosive population growth, tech company relocations, and demand from high-net-worth remote workers and outdoor enthusiasts. Multifamily rents and commercial property prices have risen dramatically. Hard money and bridge loans are essential for fast acquisitions in Bozeman’s intensely competitive market.