Opportunity Bank of Montana

This is a community-focused bank offering SBA loans and financial services designed to support small businesses in Montana. You can find assistance with loan applications, business planning, and funding options tailored to your needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may also be accommodated depending on availability.

Opportunity Bank of Montana lobby hours are typically 9:00 AM to 5:00 PM Monday through Friday, though specific hours vary by branch location. Contact your local branch to confirm exact hours.

There are no fees for initial consultations; however, certain loan processing or application fees may apply depending on the service.

This bank primarily serves residents and small business owners within Montana, focusing on community development and local entrepreneurship.

A minimum personal credit score of 640 is generally preferred, though other factors may also be considered.

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

While most Opportunity Bank of Montana locations operate Monday through Friday, some branches including the Helena Skyway location are open Saturday morning (9:00 AM - 1:00 PM). Confirm with your specific branch.

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

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

You can reach Opportunity Bank of Montana by phone at (406) 442-3080 or online at opportunitybank.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 Opportunity Bank of Montana before relying on them.

Based on its approved SBA loans, Opportunity Bank of Montana most often finances businesses in restaurants & food service, construction & contractors, general retail, medical practices & clinics, food manufacturing & processing, and transportation & trucking. This reflects Opportunity Bank of Montana'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 Opportunity Bank of Montana 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 Opportunity Bank of Montana participates in SBA Express depends on its specific SBA lending authority. Contact Opportunity Bank of Montana 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. Opportunity Bank of Montana 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. Opportunity Bank of Montana's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Opportunity Bank of Montana 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 Opportunity Bank of Montana 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 Opportunity Bank of Montana 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 Opportunity Bank of Montana 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. Opportunity Bank of Montana weighs this case by case under its own policy, so be upfront about your history and ask Opportunity Bank of Montana how it evaluates prior bankruptcies.