STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
125
2010–2026
Total Volume
$50M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
125 total segments
Opportunity Bank of Montana has a strong focus on 504 loans, with 30% of their SBA deals in this category, compared to the national average of 18%. This makes them a solid choice for borrowers looking for real estate financing.
The average spread for 7(a) loans at Opportunity Bank is P+2.22%, which is lower than the national median of P+2.75%. This could lead to significant savings on interest for borrowers.
With 64% of their deals focused on existing businesses, Opportunity Bank is better suited for established companies rather than startups or acquisitions. If you're a new business, you might want to consider other lenders.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 37 504 loans, which use fixed SBA debenture rates.
States where Opportunity Bank of Montana has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Opportunity Bank of Montana, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Montana · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.25% | $88K | Q1 2024 |
| Montana · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.25% | $267K | Q4 2023 |
| Montana · Other Health Practitioners · Under $150K | 7(a) | 5 | P+1.50% | $96K | Q2 2025 |
| Montana · Manufacturing · Under $150K | 7(a) | 4 | P+3.13% | $54K | Q3 2016 |
| Montana · Other Health Practitioners · $150K – $350K | 504 | 4 | — | $212K | Q3 2025 |
| Montana · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.50% | $61K | Q1 2021 |
| Montana · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $304K | Q3 2022 |
| Montana · Wholesale Trade · Under $150K | 7(a) | 3 | P+3.25% | $50K | Q2 2017 |
| Montana · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.00% | $93K | Q2 2021 |
| Montana · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.13% | $148K | Q4 2016 |
| Montana · Arts, Entertainment & Recreation · $2M – $5M | 7(a) | 2 | P+2.00% | $2.3M | Q3 2021 |
| Montana · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+3.13% | $85K | Q2 2015 |
| Montana · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $884K | Q2 2025 |
| Montana · Auto Dealers & Parts · $500K – $1M | 504 | 2 | — | $623K | Q2 2018 |
| Montana · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.38% | $312K | Q1 2024 |
| Montana · General Merchandise · Under $150K | 7(a) | 2 | P+1.87% | $15K | Q3 2015 |
| Montana · Heavy & Civil Engineering · $500K – $1M | 7(a) | 2 | P+2.75% | $814K | Q2 2012 |
| Montana · Food & Beverage Stores · $150K – $350K | 7(a) | 2 | P+2.75% | $246K | Q2 2010 |
| Montana · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.00% | $253K | Q2 2021 |
| Montana · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+0.75% | $939K | Q1 2024 |
| Montana · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.42% | $43K | Q1 2015 |
| Montana · Heavy & Civil Engineering · $1M – $2M | 7(a) | 2 | P+0.50% | $1.5M | Q4 2021 |
| Montana · Finance & Insurance · Under $150K | 7(a) | 1 | P+2.00% | $50K | Q1 2017 |
| Montana · Real Estate · Under $150K | 7(a) | 1 | P+1.50% | $150K | Q1 2018 |
| Montana · Real Estate · $500K – $1M | 7(a) | 1 | P+1.10% | $565K | Q2 2025 |
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Real experiences from borrowers who closed SBA loans with Opportunity Bank of Montana.
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