Montana

SBA Loans in Montana

Fast, flexible sba loans for 87,000 businesses across Montana. Funding from $50K to $5.0M.

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Montana Business Snapshot

1,084,225
Population
87,000
Active Businesses
$73,456
Median Income
west
Region

Why Montana Businesses Choose SBA Loans

Montana is home to 87,000 businesses generating significant economic activity across the west region. With a median household income of $73,456, the state offers a strong consumer market for well-capitalized businesses.

SBA Loans from Nautix Capital helps Montana businesses access funding ranging from $50K to $5.0M, with approval times of 30-60 days. Whether you operate in Billings, Missoula, or anywhere across the state, we serve businesses in every county and city.

“
We were under pressure to capitalize on a major opportunity, and timing was everything. I'd been through the usual slow processes before, so I didn't expect much. But Nautix completely changed my outlook. Within a few hours, I had an offer that was dialed in, and we closed the same day. They made us feel like a priority, not just a file.
Niraj Vanmali
Verified Nautix Capital Client

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SBA Loans by City in Montana

Select your city to find specific funding information and local business data.

Billings

Pop: 123,313
Biz: 2,100
Growth: 2.8%
Income: $56,200

Missoula

Pop: 76,016
Biz: 1,600
Growth: 3.1%
Income: $50,100

Great Falls

Pop: 58,505
Biz: 1,000
Growth: 1.6%
Income: $51,100

Helena

Pop: 34,425
Biz: 750
Growth: 2.4%
Income: $55,800

Bozeman

Pop: 56,908
Biz: 1,250
Growth: 5.2%
Income: $58,400

Butte

Pop: 35,300
Biz: 680
Growth: 1.6%
Income: $44,200

Kalispell

Pop: 28,006
Biz: 620
Growth: 3.8%
Income: $49,800

Havre

Pop: 9,846
Biz: 220
Growth: 1.2%
Income: $42,100

Miles City

Pop: 8,410
Biz: 190
Growth: 1%
Income: $43,500

Livingston

Pop: 8,100
Biz: 210
Growth: 2.6%
Income: $46,200

All Business Funding Options in Montana

Working Capital

Fast funding to cover payroll, inventory, or cash-flow gaps when you need to move quickly.

$50K - $500K | 48-72 hours

Revenue-Based Funding

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

$25K - $500K | 24-48 hours

Business Line of Credit

Revolving credit you draw as needed. Only pay for what you use.

$10K - $250K | 3-5 business days

Invoice Factoring

Turn unpaid invoices into immediate working capital without taking on new debt.

$10K - $1.0M | 24 hours

PO Financing

Fund large orders upfront so you can say yes to bigger opportunities.

$10K - $500K | 2-3 days for verification, 5-7 days to fund

Equipment Financing

Finance new or used equipment with predictable payments that fit your cash flow.

$10K - $500K | 3-5 days approval, 5-10 days to funding

SBA Loans

Current

Government-backed financing with lower rates and longer terms. 7(a), 504, and more.

$50K - $5.0M | 30-60 days

Commercial Real Estate

Acquisition, refinance, or development for owner-occupied commercial or investment properties.

$100K - $5.0M | 20-30 days

REI Loans

Fix & flip, DSCR rentals, bridge, and construction financing for business or investment purposes.

$50K - $2.0M | 5-10 days

SBA Lending Activity in Montana

Fiscal Year 2024 (Oct 2023 – Sep 2024) · SBA 7(a) Loan Program

258
7(a) Loans Approved
$138.6M
Total Approved
$537,368
Avg. Loan Size
21% above
vs. National Avg.

SBA Lending Context

In FY2024, the SBA approved 258 loans totaling $138.6M for Montana small businesses. The average 7(a) loan size in Montana was $537,368, which is 21% above the national average of $443,097.

Nationally, the SBA supported 103,000 financings totaling $56.0B in FY2024, the highest level since 2008.

SBA District Office

  • Montana District Office

Top SBA-Funded Industries in Montana

1Restaurants
2Agriculture
3Tourism & Hospitality
4Construction
5Retail Trade

Source: U.S. Small Business Administration, FY2024 Lending Statistics · SBA Open Data Portal

Last Updated: February 2026

SBA Loans FAQ for Montana

How do I apply for sba loans in Montana?
Apply online at nautixcapital.com/smartmatch. We serve all businesses across Montana. Most applications are reviewed within 30-60 days.
What are the requirements for sba loans in Montana?
Montana businesses need a minimum annual revenue of $100K, at least 2 year(s) in business, and a credit score of 650+.
How much funding can Montana businesses get?
Montana businesses can access sba loans ranging from $50K to $5M, depending on qualifications and business needs.
How does the SBA guarantee work?
The SBA guarantees a portion of the loan (typically 50-90%), meaning if you default, the SBA reimburses the lender for the guaranteed portion. This reduces lender risk and enables better terms.
What is the difference between 7(a) and 504 programs?
7(a) loans are versatile (up to $5M) for most business purposes. 504 loans are specialized for real estate and equipment with 20-year terms and lower down payments (10%) but slower processing.

Data sourced from U.S. Census Bureau (2024 American Community Survey), Bureau of Labor Statistics, and SBA district lending reports. Market data is updated periodically and may not reflect the most current figures.

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