Our goal is to structure financing that fits your business. We are committed to 100% communication as part of our lending - we want you to understand every aspect of our underwriting and approval process.

Here is our lending process:

1) Call 406-728-9234 or email your phone contact information to This e-mail address is being protected from spambots. You need JavaScript enabled to view it . When you talk to an Montana CDC staff member, we will ask how much you want to borrow, for what purpose, and a few financial questions.

2) If we think we can structure a loan, we'll ask you to apply by submitting the following materials:

Montana CDC's loan application is now available online. Please contact the loan department for the online location: 406-728-9234 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Along with the loan application, we will ask you to submit a Business Plan (for new businesses) or a Business Plan Summary (Word) (for existing businesses). In addition, we require 24 months cash flow projections and historical tax returns for all applicants. We offer as much coaching as you need to write your business plan, project the company's financials, and create an actionable marketing plan.


3) Using this information, we'll work closely with you as we consider your loan. The key factors for loan approval are outlined in this loan process chart (PDF).