© WHERE WE LEND SAN DIEGO HQ · MONTANA
HARD MONEY LENDER MONTANA
Loan Goat funds investor real estate deals in Bozeman, Missoula, Billings and the Montana towns in between.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Montana, in Billings, Missoula, Great Falls and Bozeman. Our borrower is buying property as a business: a cabin to renovate and rent by the night, a downtown building worth repositioning, a lot ready to build, a small apartment block to hold. Construction money, fix and flip, bridge, rental loans on DSCR, commercial and blanket, funded with our own capital and decided by one person who reads the file.
Montana is a set of separate markets connected by long highways. Bozeman and the Gallatin Valley have become a national destination, with mountain and resort demand pulling capital in from outside the state. Missoula is a university town in a river valley with tight buildable land. Billings is the practical one, the largest city, carrying medical, energy and rail employment. Great Falls sits on the Missouri River with steady, workmanlike housing stock.
We lend in Montana and we are based in San Diego, and that combination works fine here. This is a state where the nearest lender might be a long drive away anyway. Ours is a phone call. In-house capital means no committee, no investor approval, no waiting for a quarterly credit meeting. You get terms from the decision maker, then a closing in five to seven days through a title company near the property.
Bozeman investors buy near Montana State University and chase Big Sky and Yellowstone traffic with nightly rentals, cabins and newer townhomes. Missoula trades on older Craftsman bungalows and student housing serving the University of Montana. Billings holds post-war ranch homes, small multifamily and commercial buildings downtown and along the rims. Great Falls offers older brick and frame houses with rental demand tied to Malmstrom Air Force Base. Land and outbuildings enter nearly every conversation.
© MONTANA LOCATIONS SAN DIEGO HQ · MONTANA
EXPLORE OUR MONTANA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
© THE COST SAN DIEGO HQ · MONTANA
WHAT DO MONTANA HARD MONEY LOANS COST
A Montana quote is built from the deal, not from the state. Bridge from 9.00% and up to 75% LTV on residential, 70% on commercial, one or two year terms and closings in 3 to 14 days. Every one of those is published, not negotiated in the dark.
The written quote comes first and it holds. For a Montana borrower on a contract clock, that is the difference between a real number and a maybe.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · MONTANA
WHY LOAN GOAT IN MONTANA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Building season here is measured in months, and a lender who drags its feet has already cost you one of them. Bridge money priced from 9.00%, reaching 75% LTV, closes in five to seven days. Construction financing funds the Gallatin County build you cannot start in January anyway, which means the money has to be ready by spring. Minimal documentation. No prepayment penalty when you sell early or refinance out.
Rural and resort collateral confuses a lot of underwriters. Acreage, a detached shop, a cabin with seasonal access, a mixed-use building on a Main Street: those are property questions, and we underwrite the property. DSCR rental loans qualify a performing nightly rental on its own income. Business purpose bridge runs up to $25,000,000 if the project justifies it. Small balance works too, and both get the same single decision maker.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
MONTANA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Montana files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN MONTANA
The full program stack is available on Montana property: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages, and blanket loans over multiple assets. The plan for the property decides which one applies.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · MONTANA
HOW WE LEND IN MONTANA
Rural and resort collateral confuses a lot of underwriters. Acreage, a detached shop, a cabin with seasonal access, a mixed-use building on a Main Street: those are property questions, and we underwrite the property. DSCR rental loans qualify a performing nightly rental on its own income. Business purpose bridge runs up to $25,000,000 if the project justifies it. Small balance works too, and both get the same single decision maker.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
MONTANA BORROWERS, IN THEIR WORDS
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This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER
© QUESTIONS SAN DIEGO HQ · MONTANA
MONTANA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, we write loans anywhere in Montana, Billings, Missoula, Great Falls and Bozeman included. Loan Goat is veteran-owned and works from one office in San Diego, lending nationwide on its own capital, with over $1.5B placed in 46 states. No Montana branch exists and none is needed. Terms come straight from the person who approves the loan, usually on your first call.
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Yes, nightly rental property in Gallatin County is collateral we understand well. If the cabin or condo needs work, start with a bridge or fix and flip loan and refinance into a DSCR rental loan as soon as it is furnished and taking bookings. We look at the property, its income potential and your exit, not at how many years of self-employment returns you can produce.
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Yes, acreage and outbuildings are common on Montana files and do not disqualify a deal. We underwrite the property on its merits, including the improvements, the access and the marketability of the parcel. Bridge, construction and commercial programs all handle land-heavy collateral. Tell us what is there, what you plan to build or repair, and how you intend to exit the loan.
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By phone and email, the same way our borrowers in Cascade County and everywhere else do it. You send the address, the numbers and photos. We size the loan and issue terms. A local title or escrow company handles signing and recording near the property, and we wire the funds. Closings run five to seven days, three on a clean bridge file. Call (619) 617-2797 when you have an address.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND SAN DIEGO HQ · MONTANA
MONTANA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
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SUBMIT A LOAN REQUEST
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Or just give us a call now
(619) 617-2797
