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We create opportunities for all through creative capital.

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Business Loans

Business Loans

Montana & Idaho CDC’s business loans range from $1,000–$2,000,000 and may be used for business purposes, such as purchase of real estate, equipment, or inventory, and for remodeling, working capital, or purchase of an existing business. Interest rates vary depending on the client and the specific loan fund sources. In general, Montana & Idaho CDC’s rates are 2–3% points higher than current bank financing rates. Fees include a 3.5% origination fee, $100 application fee, and closing costs.

Loan terms and structures vary depending on the client and loan use. In general, we structure 5–10 year loans and also offer lines of credit. We are flexible with collateral requirements, particularly for our microloans (less than $50,000). We accept real estate, business equipment, and certain personal property as collateral. First position is not required. We offer stand-alone loans and also bank partnership and bank participations. We provide business development services over the life of the loan.

To inquire about business lending, please call 1-844-728-9234.

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Big Impacts for Small Businesses

  • Owner of Nova Cafe, Serena Rundberg poses with staff members.
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