Manhattan Bank

This is Manhattan Bank, a community-focused financial institution offering SBA loan programs, banking services, and small business support in Montana. You can find personalized lending options and expert guidance to help grow your business.

It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit.

Manhattan Bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to call ahead to confirm hours or schedule an appointment.

There are no fees to access basic banking services, but loan processing and application fees may apply depending on the specific financing product.

This bank primarily serves residents and small business owners within the local community of Manhattan, Montana, but may also support regional clients with specific needs.

A minimum personal credit score of 620 is generally preferred for loan approval, though other factors are also considered.

The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and Manhattan 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 Manhattan Bank to confirm current weekend availability before you go.

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

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

You can reach Manhattan Bank at (406) 284-3255 or email service@manhattanbank.com. For SBA loans specifically, ask for their business lending department and confirm current contact methods with the bank.

Like most SBA lenders, Manhattan Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Manhattan Bank directly which industries 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 Manhattan Bank participates in SBA Express depends on its specific SBA lending authority. Contact Manhattan 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. Manhattan 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. Manhattan Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Manhattan 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 Manhattan 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 Manhattan 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 Manhattan 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. Manhattan Bank weighs this case by case under its own policy, so be upfront about your history and ask Manhattan Bank how it evaluates prior bankruptcies.