The Yellowstone Bank

This is a local bank offering SBA loan programs and financial services tailored to small businesses seeking growth capital, equipment financing, or working capital solutions.

It's recommended to schedule an appointment for personalized service, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM.

There are no fees for consulting or initial inquiries; fees may apply for loan processing and closing costs.

This service is primarily available to local business owners and residents in the Laurel area, though some programs may have broader eligibility.

A minimum personal credit score of 640 is generally required for SBA loan applicants.

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

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

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

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

You can reach The Yellowstone Bank by phone at (406) 628-7951 or online at yellowstone.bank — 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 The Yellowstone Bank before relying on them.

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