Best SBA Lenders in Bozeman, MT (2026)
2025 FOIA data: top lenders, rates & industries for Bozeman SBA loans
SBA Loans in Bozeman, Montana
Looking for an SBA loan in Bozeman, Montana? Based on 2025 FOIA data, 31 SBA 7(a) loans were funded in Bozeman totaling $20.1M, supporting an estimated 183 jobs. With 20 active lenders competing for business in the Bozeman market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Bozeman is $650K at an average rate of 10.53%. The top lender in Bozeman is Brookline Bank, a Division of Beacon Bank and Trust, with the most-funded industry being Home Centers. See all Montana SBA lenders for statewide rankings.
SBA Loans in Bozeman by Business Type
Whether you’re starting a new business in Bozeman, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 2% of SBA loans in Bozeman (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 46% (6 loans) — if you’re looking to buy a business in Bozeman, this is a proven use case for SBA financing. Existing businesses make up 26% and typically receive the most favorable terms.
Top SBA Lenders in Bozeman, MT (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Bozeman businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Brookline Bank, a Division of Beacon Bank and Trust | $6.5M | 3 | 9.08% |
| 2 | Port 51 Lending LLC | $5.0M | 1 | 10.75% |
| 3 | Pathward National Association | $3.1M | 1 | 10.5% |
| 4 | Northeast Bank | $1.5M | 3 | 10.5% |
| 5 | Wallis Bank | $676K | 1 | 10% |
| 6 | Newtek Bank, National Association | $650K | 3 | 11.67% |
| 7 | United Midwest Savings Bank National Association | $566K | 3 | 10.25% |
| 8 | Montana Community Development Corp. | $301K | 1 | 12% |
| 9 | Bankwell Bank | $300K | 1 | 10.5% |
| 10 | The Yellowstone Bank | $286K | 1 | 8.5% |
The top lenders in Bozeman have direct experience with local businesses and understand the Bozeman market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Bozeman and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Bozeman
One 5-minute application. 20+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Bozeman
These are the industries that received the most SBA 7(a) funding in Bozeman in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Home Centers | 2 | $5.0M |
| Offices of Mental Health Practitioners (except Physicians) | 1 | $3.1M |
| Limited-Service Restaurants | 2 | $1.8M |
| Advertising Agencies | 3 | $1.5M |
| Insurance Agencies and Brokerages | 2 | $416K |
| Full-Service Restaurants | 2 | $400K |
| Ornamental and Architectural Metal Work Manufacturing | 1 | $301K |
| Janitorial Services | 2 | $300K |
| Tile and Terrazzo Contractors | 1 | $300K |
| New Single-Family Housing Construction (except Operative Builders) | 1 | $300K |
Lenders with experience funding your specific industry in Bozeman understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Bozeman
Option 1: Apply directly to one of the top Bozeman lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Bozeman-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
How many SBA loans were funded in Bozeman in 2025?
Can I get an SBA loan to start a business in Bozeman?
Who is the top SBA lender in Bozeman?
What is the average SBA loan rate in Bozeman?
Ready to Apply for an SBA Loan in Bozeman?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
