Small Business Loans & Funding in Montana
Running a thriving business in Montana can be incredibly rewarding, but it's also rife with challenging barriers to long-term success. Whether you're growing a ranch-based operation, launching a tourism venture, or managing a storefront in Billings or Missoula, having access to funding can make a big difference. Fora Financial makes getting small business funding in Montana simple, so you can secure the working capital your business needs to stay ahead. We've already helped over 55,000 businesses access funding, and yours could be next.
Get StartedSmall Business Loans
We know that running a business in Montana leaves little time for handling endless paperwork. That's why our streamlined process removes unnecessary documentation and long approval delays. With flexible funding options, you can use the capital for whatever your business demands—whether you're expanding a restaurant or staffing a major construction project.
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Prepayment discounts
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Terms up to 18 months
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Approvals in as little as 4 hours
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Funding up to $1.5 million
Requirements for Business Funding in Montana
Before applying for small business funding in Montana, it's helpful to understand what most funders look for. Meeting these basic requirements can improve your chances of approval and help you qualify for better terms.
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Credit Score
Your credit score shows funders how reliable you are with debt. While many providers look for scores of 570 or above, some funding options accept lower scores, especially if you have strong business performance.
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Business Plan
A clear and organized business plan helps demonstrate that you know where your company is headed. It outlines your goals, financial expectations, and your plan for growth. This is often reviewed by funders when deciding to fund your business.
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Annual Revenue
Funders typically require proof of annual revenue to ensure your business can sustain payments. A common starting point is $240,000 in yearly sales, though some programs are more flexible.
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Time in Business
Most funding providers prefer businesses with at least 6 months to 2 years of operations. The longer your business has been running, the better your chances of getting approved for small business funding in Montana.
How to Get Small Business Funding in Montana
All funders have different protocols for securing financing. However, Fora Financial makes it easy. Here's how to get small business funding in Montana, the simple, effective way:
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Apply
Start by completing a simple online application for Montana business financing, and a Capital Specialist will be connected with you to review your funding options.
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Get a decision
A Capital Specialist will review your information and reach out with personalized options in as little as four hours.
3
Receive your funds
Once approved, you'll get a lump-sum payout in as little as 24 hours. You can use the funds however your business needs.
Case Studies
Building Bigger
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Funding Amount: $150,000
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Industry: Construction
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Use of Funds: Equipment, Staffing, Expansion
Restoring Momentum
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Expansion at Scale
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Funding Amount: $1,000,000
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Industry: Construction
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Use of Funds: Expansion
Manufacturing Recovery
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Youth Soccer Program Expansion
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Funding Amount: $150,000
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Industry: Education & Youth
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Use of Funds: Facility Buildout
Strategic Growth
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Funding Amount: $150,000
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Industry: Wholesale Building Materials
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Use of Funds: Inventory, Expansion
Building for the Future
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Funding Amount: $500,000
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Industry: School / Daycare
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Use of Funds: Cashflow, Expansion
Powering Growth
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Funding Amount: $250,000
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Industry: Medical / IVF Center
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Use of Funds: Expansion, Cash Flow, Staffing, Equipment
What Sets Us Apart from the Rest
Frequently Asked Questions About Small Business Funding in Montana
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Yes. Many Montana businesses, particularly those in the tourism or agricultural sectors, experience seasonal fluctuations in demand. Flexible funding can help cover expenses during slower months.
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Yes. Depending on your revenue and overall financial health, you may still qualify for small business funding in Montana. Fora Financial considers your full business profile when reviewing your application.
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Fora Financial collaborates with a diverse range of industries, including retail, hospitality, agriculture, construction, and others. If your business generates consistent revenue, you may be eligible for business financing in Montana.
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Yes. Fora Financial supports businesses throughout the state, whether you're in a larger city like Billings or a smaller town. Location is not a barrier if you meet the core funding criteria.
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No. The initial application process with Fora Financial involves a soft credit pull, which does not impact your credit score.
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.