Bank of the Rockies

This is a financial institution offering SBA loan programs and business financing solutions designed to help small and medium-sized businesses grow and succeed in Montana.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

Bank of the Rockies operates Monday through Friday with lobby hours from 9:00 AM to 4:00 PM and drive-thru hours from 8:00 AM to 5:00 PM (Bozeman has no drive-thru). Contact your local branch to confirm and inquire about appointment availability.

There are no fees for visiting or consulting; however, loan processing and application fees may apply depending on the services used.

This bank primarily serves residents and businesses within Montana, but some services may be available to out-of-state clients with qualifying relationships.

A minimum personal credit score of 640 is generally preferred, but higher scores improve approval chances.

The underwriting process typically takes 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

Bank of the Rockies is closed on weekends. All branches operate Monday through Friday only. Contact the bank if you need weekend banking services or have urgent inquiries.

Bank of the Rockies is located in Montana — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Bank of the Rockies, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of the Rockies itself, which runs its own lending under its own ownership. If you work at Bank of the Rockies, you can claim this listing from this page to manage it.

The core details for Bank of the Rockies — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bank of the Rockies before applying. If you represent Bank of the Rockies, claim this listing to keep its information up to date.

Bank of the Rockies can be reached by phone at (406) 495-1900 or via their contact form at botr.bank/contact/. For SBA lending inquiries, ask for the business lending or SBA department and confirm current contact information with the bank.

Based on its approved SBA loans, Bank of the Rockies most often finances businesses in general retail, manufacturing, and construction & contractors. This reflects Bank of the Rockies's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Bank of the Rockies which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bank of the Rockies participates in SBA Express depends on its specific SBA lending authority. Contact Bank of the Rockies and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bank of the Rockies can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Bank of the Rockies's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of the Rockies directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bank of the Rockies what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bank of the Rockies to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bank of the Rockies to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bank of the Rockies weighs this case by case under its own policy, so be upfront about your history and ask Bank of the Rockies how it evaluates prior bankruptcies.