Loan Programs
Access to capital is one of the most critical factors in business success. Our loan programs bridge the gap between traditional bank financing and the real needs of rural Montana businesses.
Capital for Rural Montana Businesses
Mission West CDP's Business Development Center offers flexible loan products designed specifically for small businesses in rural western Montana. Whether you're starting a new venture, purchasing equipment, expanding your space, or bridging a financing gap, we work with you to find the right solution.
We serve as a complement to traditional bank financing, providing gap financing, credit enhancements, and direct loans when conventional lenders can't fully meet the need. Our loan officers have deep roots in the region and understand the unique challenges of doing business here.
Loans are available to businesses and entrepreneurs in Lake, Sanders, and Mineral counties and the Flathead Indian Reservation.
What We Offer
Flexible financing tools matched to the real stages and needs of your business.
Working Capital
Short-term financing to cover operating costs, inventory, payroll, or cash flow gaps. Ideal for businesses navigating seasonal fluctuations or a growth phase.
Equipment Financing
Loans for purchasing or upgrading machinery, vehicles, technology, or other business equipment. Structured to align repayment with the productive life of the asset.
Business Expansion
Financing for businesses ready to grow, adding staff, expanding capacity, entering new markets, or acquiring an existing business.
Real Estate & Commercial Property
Long-term financing for the purchase or improvement of commercial real estate. Available for owner-occupied business properties in our service area.
Gap Financing
Bridge the difference between what a conventional lender will provide and what your project needs. We work alongside banks to fill financing gaps and help deals close.
Credit Enhancement
For businesses that don't quite qualify for conventional financing, we offer guarantees and credit enhancements that help you access capital through partner lenders.
Loan Program
Portfolio
We manage seven loan programs, each with its own eligibility criteria and use requirements. Our team will help you identify the right fit for your project.
Tourism Development & Enhancement RLF
MT Dept of Commerce, lodging, cultural attractions, tourism infrastructure, food & beverage.
Learn More →Economic Development Administration RLF
Federal EDA-backed financing for businesses creating or retaining jobs in the region.
Learn More →Montana State Small Business Credit Initiative (SSBCI)
State-funded credit support for small businesses that don't qualify for conventional financing.
Learn More →Big Sky Economic Development RLF
Regional revolving fund supporting business growth across western Montana communities.
Learn More →Rural Microentrepreneur Assistance Program RLF
USDA RMAP, microloans and technical assistance for very small and startup businesses.
Learn More →Intermediary Relending Program RLF
USDA IRP, financing for businesses in rural areas that lack access to private credit.
Learn More →CDFI Fund RLF
Community Development Financial Institution, flexible capital for underserved borrowers.
Learn More →Not sure which fund fits your business?
Find your matchHow It Works
Our process is straightforward. We guide you through every step.
Pre-Qualification
Talk with our Senior Loan Program Manager, John Whitworth, to discuss your financing needs, review your business situation, and determine which loan products are the best fit.
Submit Your Application
Complete the loan application through our client portal. You'll provide your business plan, financial statements, two to three years of tax returns, and other documentation as required.
Underwriting & Review
Our team reviews your application, credit history, collateral, and business projections. We may request additional documentation or a follow-up conversation during this stage.
Decision & Disbursement
Upon approval, we finalize loan terms, complete closing paperwork, and disburse funds. Approval decisions typically take 2 to 4 weeks from a completed application. Your loan officer stays in contact throughout the life of the loan.
Talk to Our
Loan Officer
Have questions about eligibility or want to discuss your financing needs before applying? Reach out directly.
Loan Inquiry
Tell us about your business and financing needs. John will follow up within one business day.
Other Programs
Ready to Get
Started?
Create a free client account to begin your loan application or reach out to John Whitworth to talk through your options.