Little Horn State Bank

This is a local bank offering SBA loan programs and financial services tailored for small businesses in the Hardin area. You can find assistance with loan applications, business financing options, and regional economic support.

It is recommended to schedule an appointment to ensure dedicated time with a banking professional, but walk-in consultations may also be available during business hours.

The bank's typical hours are Monday through Friday from 9:00 AM to 5:00 PM, but it is best to call ahead for specific appointment times or after-hours services.

There may be fees associated with certain services, such as application fees or closing costs for loans. Details are provided during the application process.

The bank primarily serves residents and small business owners within the Hardin region, but eligibility for specific programs can vary.

A minimum personal credit score of around 640 is generally recommended for loan qualification.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of documentation and loan complexity.

Most banks keep weekday business hours and are closed on weekends, and Little Horn State Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Little Horn State Bank to confirm current weekend availability before you go.

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

The core details for Little Horn State Bank — 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 Little Horn State Bank before applying. If you represent Little Horn State Bank, claim this listing to keep its information up to date.

You can reach Little Horn State Bank by phone at (406) 665-2332 or online at littlehornstatebank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Little Horn State Bank before relying on them.

Based on its approved SBA loans, Little Horn State Bank most often finances businesses in hotels & lodging. This reflects Little Horn State Bank'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 Little Horn State Bank 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 Little Horn State Bank participates in SBA Express depends on its specific SBA lending authority. Contact Little Horn State Bank 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. Little Horn State Bank 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. Little Horn State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Little Horn State Bank 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 Little Horn State Bank 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 Little Horn State Bank 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 Little Horn State Bank 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. Little Horn State Bank weighs this case by case under its own policy, so be upfront about your history and ask Little Horn State Bank how it evaluates prior bankruptcies.