Home of the SBA 504 Loan

Current SBA 504 Interest Rates
25-Year 20-Year 10-Year
2.41% 2.37% 2.29%

our goalOur goal is to foster economic development across Montana and assist small businesses in creating and retaining jobs.


Big Sky Finance is a Certified Development Company (CDC), accredited by the US Small Business Administration (SBA) to deliver the SBA 504 Loan program across the state of Montana.

The SBA 504 Loan program is a long-term financing tool used by eligible small businesses. The program provides long-term, fixed rate financing for major fixed assets, such as land and buildings.

The typical structure of an SBA 504 loan is 50% of project costs are financed through a primary lender (lead bank), 40% of the project costs are financed through Big Sky Finance. This structure allows us to have a junior lien position on the collateral with a minimum 10% owner equity contribution. The SBA 504 loan can loan can be up to $5.0 million for a standard business and $5.5 million for small manufacturing operations.

Director of Business Finance Brandon Berger
406-869-8403
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Loan Officer Sherry O’Donnell
406-441-5446
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Loan Officer JoAnn Jones
406-441-5447
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Loan Specialist Johnna Jablonski
406-869-8415
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