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Home › Havre, MT
Whether you are purchasing an investment property, refinancing a commercial building, or expanding your business in Havre, Montana, you need a commercial mortgage lender who can move quickly and say yes when others say no. Commercial Loans of Texas has funded millions in commercial loans across Montana since 1998 — with no upfront fees and decisions in as little as 48 hours.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Havre and Montana.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Havre, Montana.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Havre property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Havre business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Havre and all of Montana. Our loan officers understand Montana commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Havre and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across Montana with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
Montana commercial property is driven by Billings regional healthcare and energy services, the Bozeman technology and outdoor-recreation economy, Missoula university demand, and hospitality throughout the Flathead and Glacier corridors.
Montana has no general sales tax and imposes no real estate transfer tax. It does tax rental and business income at the state level.
Montana is generally a non-judicial foreclosure state for trust indentures on qualifying acreage. Comparable sales are thin in much of the state, so Montana commercial deals underwrite on income and sponsor strength more than on comps.
General information about the Montana market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
No upfront fees • No obligation • Decision in 48 hours
Mon–Fri 8 AM–6 PM CT | Havre, Montana | Direct Lender Since 1998
Tell us where to send it and you’ll have written terms the same business day.
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📞 877-895-3634 Mon–Thu 9–5 · Fri 9–12 CTNo SSN • No upfront fees • No obligation either way