Three Rivers Bank of Montana
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Three Rivers Bank of Montana
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 56 | $11.7M | $209K | 14.9% |
| 113310 | Logging | 24 | $7.9M | $329K | 6.4% |
| 624410 | Child Day Care Services | 24 | $38.5M | $1.6M | 6.4% |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 24 | $9.2M | $382K | 6.4% |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 16 | $712K | $45K | 4.3% |
| 621391 | Offices of Podiatrists | 16 | $3.9M | $247K | 4.3% |
| 238990 | All Other Specialty Trade Contractors | 16 | $7.7M | $479K | 4.3% |
| 812990 | All Other Personal Services | 16 | $1.8M | $112K | 4.3% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 16 | $10.8M | $678K | 4.3% |
| 238210 | Electrical Contractors | 8 | $4.0M | $500K | 2.1% |
Geographic Distribution
SBA lending activity for Three Rivers Bank of Montana by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Montana (MT) | 376 | $192.5M | 100.0% |
Why Choose Three Rivers Bank of Montana?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 376 SBA loans approved, totaling $192.5M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Logging, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 7.13% with flexible term lengths averaging 147 months
- ✓Loan Range: Loan sizes from $20K to $4.8M, with an average of $512K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MT
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Three Rivers Bank of Montana SBA lending
What types of businesses does Three Rivers Bank of Montana typically finance?
Three Rivers Bank of Montana specializes in SBA 7(a) lending to specific industries including limited-service restaurants, logging, child day care services, lessors of miniwarehouses and self-storage units. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Three Rivers Bank of Montana's typical SBA loan terms?
Three Rivers Bank of Montana's SBA 7(a) loans typically feature an average interest rate of 7.13% and average term length of 147 months (approximately 12 years). Loan sizes range from $20K to $4.8M, with an average loan size of $512K.
Do I need a business valuation for a Three Rivers Bank of Montana SBA loan?
Yes, Three Rivers Bank of Montana typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Three Rivers Bank of Montana compare to other SBA lenders?
Three Rivers Bank of Montana has originated 376 SBA loans totaling $192.5M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Three Rivers Bank of Montana lend in?
Three Rivers Bank of Montana provides SBA 7(a) financing with particularly strong presence in MT. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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