Do you make hard money loans in Montana?

Yes — Billings, Bozeman, Missoula, Kalispell, Helena and Great Falls, first position, $100K–$10M, up to 80% LTV, for business purposes.

Do you lend on Montana ranch land?

Generally not. We focus on improved commercial and residential property in and around Montana’s cities.

Hard Money Loans in Montana

Hard money loan terms in Montana

Loan size: $100K–$10M
Term: 6–18 months
Position: First position (a second position is the rare exception)
Max LTV: Up to 80%, residential or commercial
Rates: Rates as low as 11% for prime-market, low-LTV loans; most first-position loans start around 12%.
Payments: Monthly, interest-only; prepayment allowed
Speed: Term sheet typically within 5 business days; close typically around 10 days once diligence is in
Purpose: Business purpose only — not consumer mortgages

Final pricing depends on the property, the market and the exit; fees are stated in the term sheet before you pay for diligence. Documents we ask for

The Montana market for hard money

Montana had about 1.14 million residents in July 2024 by Census Bureau estimate. Our Montana lending is concentrated in its six largest cities, where commercial and investment property trades often enough to value with confidence.

Montana population: 1.08 million (April 2020 base) to 1.14 million (July 2024), +4.9%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Montana

Owner-user commercial property and investment residential in Montana’s larger cities.
Montana’s Small Tract Financing Act allows trust indentures on tracts of 40 acres or less; larger tracts generally use a mortgage. (MCA 71-1-304)

How Montana deals typically use hard money

Bozeman purchase bridge

A Gallatin Valley business buys its building on the seller’s schedule and refinances into bank debt afterward.

Illustrative structures, not specific client transactions.

Montana trust deeds, foreclosure and title — the basics

A trustee’s sale under a Montana trust indenture must be at least 120 days after the notice of sale is recorded, with mailed notice at least 120 days before the sale. (MCA 71-1-313, 71-1-315)
Montana closings run through a title company; we order title and valuation at the term sheet.

General information, current as of October 2026 — not legal advice. Statutes change; confirm with Montana counsel or your title company.

Hard money loans in Montana