Lenders › Montana Community Development Corp.
7(a) lenderMissoula, Montananon-bank 7(a) lender310th of 2,184 by approvals
Montana Community Development Corp.
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Montana Community Development Corp., based in Missoula, Montana, is a non-bank 7(a) lender in the SBA 7(a) program. SBA approved 104 of its 7(a) loans worth $14.5M in FY2021 to FY2025, which places it 310th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 23 approvals totalling $3.5M, down 42% on FY2024 (40). FY2026 to 30 Jun 2026 adds 17 more.
The median approval was $104K, against $190K for the 7(a) program as a whole; 70.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 6 states and territories and 32 counties, led by Idaho (43.3%), Montana (28.8%) and Utah (19.2%). The largest industry group was construction at 27.9% of approvals, and 4.8% of approvals were to franchise businesses.
Of 113 disbursed loans approved in FY2010 to FY2021, SBA records 6 as charged off (5.3%), 90 as paid in full and 17 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 17 | $2.3M | $109K | $133K | 60 |
| FY2025 | 23 | $3.5M | $120K | $150K | 85 |
| FY2024 | 40 | $5.5M | $107K | $138K | 170 |
| FY2023 | 24 | $3.3M | $101K | $137K | 154 |
| FY2022 | 9 | $1.3M | $118K | $142K | 51 |
| FY2021 | 8 | $973K | $97K | $122K | 69 |
| FY2020 | 19 | $3.0M | $146K | $156K | 187 |
| FY2019 | 15 | $1.8M | $100K | $120K | 149 |
| FY2018 | 9 | $1.2M | $149K | $135K | 61 |
| FY2017 | 22 | $3.1M | $126K | $140K | 330 |
| FY2016 | 14 | $1.5M | $101K | $108K | 103 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 79 approvals. First approval on file: FY2012.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Idaho | 7(a) program |
|---|---|---|---|
| Approvals in these years | 120 | 6,024 | 639,905 |
| Cancelled or never disbursed | 7 | 711 | 79,313 |
| Disbursed loans | 113 | 5,313 | 560,592 |
| Paid in full | 90 | 4,503 | 435,813 |
| Charged off | 6 | 192 | 36,891 |
| Still outstanding (status exempt from disclosure) | 17 | 618 | 87,888 |
| Charged off, share of disbursed loans | 5.3% | 3.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 4.6% | 1.5% | 2.5% |
| Dollars charged off | $681K | $24.0M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 8 | 3 | 1 | — | 2.8% |
| FY2020 | 16 | 12 | 1 | — | 4.0% |
| FY2019 | 15 | 10 | 1 | — | 6.7% |
| FY2018 | 9 | 8 | 0 | — | 7.9% |
| FY2017 | 21 | 15 | 1 | — | 7.7% |
| FY2016 | 13 | 12 | 1 | — | 7.2% |
| FY2015 | 5 | 5 | 0 | — | 6.9% |
| FY2014 | 8 | 8 | 0 | — | 6.4% |
| FY2013 | 9 | 9 | 0 | — | 6.0% |
| FY2012 | 9 | 8 | 1 | — | 6.3% |
| FY2011 | 0 | 0 | 0 | — | 6.9% |
| FY2010 | 0 | 0 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $104K | $190K |
| Average approval | $140K | $518K |
| Approvals of $150,000 or less | 70.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 62.5% | 34.3% |
| Approvals to franchise businesses | 4.8% | 11.5% |
| Jobs supported per approval, as reported | 5.1 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.3% | 6.6% |
States served
| # | State of the business (6 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Idaho | 45 | $6.7M | 43.3% | |
| 2 | Montana | 30 | $3.8M | 28.8% | |
| 3 | Utah | 20 | $2.6M | 19.2% | |
| 4 | Washington | 6 | $1.0M | 5.8% | |
| 5 | Wyoming | 2 | — | 1.9% | |
| 6 | Oregon | 1 | — | 1.0% |
In Idaho the lender accounts for 1.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (32 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Ada County, ID | 15 | $2.5M | 14.4% | |
| 2 | Gallatin County, MT | 9 | $1.4M | 8.7% | |
| 3 | Salt Lake County, UT | 8 | $1.1M | 7.7% | |
| 4 | Canyon County, ID | 7 | $1.0M | 6.7% | |
| 5 | Kootenai County, ID | 7 | $814K | 6.7% | |
| 6 | Yellowstone County, MT | 6 | $812K | 5.8% | |
| 7 | Spokane County, WA | 5 | $925K | 4.8% | |
| 8 | Washington County, UT | 5 | $545K | 4.8% | |
| 9 | Missoula County, MT | 4 | $399K | 3.8% | |
| 10 | Davis County, UT | 3 | $457K | 2.9% | |
| 11 | Madison County, ID | 3 | $416K | 2.9% | |
| 12 | Bonner County, ID | 3 | $338K | 2.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 29 | 27.9% | |
| 2 | Accommodation and Food Services | 28 | 26.9% | |
| 3 | Other Services (except Public Administration) | 12 | 11.5% | |
| 4 | Health Care and Social Assistance | 7 | 6.7% | |
| 5 | Manufacturing | 6 | 5.8% | |
| 6 | Professional, Scientific, and Technical Services | 6 | 5.8% | |
| 7 | Retail Trade | 5 | 4.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 3 | 2.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 21 | 20.2% | |
| 2 | Personal Care ServicesNAICS 8121 | 10 | 9.6% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 6 | 5.8% | |
| 4 | Special Food ServicesNAICS 7223 | 6 | 5.8% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 4.8% | |
| 6 | Architectural and Structural Metals ManufacturingNAICS 3323 | 4 | 3.8% | |
| 7 | Residential Building ConstructionNAICS 2361 | 4 | 3.8% | |
| 8 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 4 | 3.8% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 4 | 3.8% | |
| 10 | Nonresidential Building ConstructionNAICS 2362 | 3 | 2.9% |
Approval sizes
- $50,000 or less9.6%10
- $50,001 to $150,00060.6%63
- $150,001 to $350,00029.8%31
Loan terms
- 5 years or less8.7%9
- Over 5 to 10 years85.6%89
- Over 10 to 20 years3.8%4
- Over 20 years1.9%2
Age of the businesses
- Existing, more than 2 years old33.7%35
- New business, 2 years or less28.8%30
- Startup, loan funds will open the business33.7%35
- Change of ownership3.8%4
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 53 | 51.0% | |
| 2 | Community Advantage Initiative | 36 | 34.6% | |
| 3 | SBA Express Program | 10 | 9.6% | |
| 4 | Community Advantage RLOC | 5 | 4.8% |
Franchise share
5 of 104 approvals in FY2021–FY2025 (4.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Wayback Burgers | 2 | 1.9% | |
| 2 | Stretch Lab | 1 | 1.0% | |
| 3 | Firehouse Subs | 1 | 1.0% | |
| 4 | Garage Force | 1 | 1.0% |
Questions and answers
How many SBA loans does Montana Community Development Corp. make?
SBA approved 23 7(a) loans through Montana Community Development Corp. in FY2025, worth $3.5M, and 104 over FY2021 to FY2025. That ranks 310th of 2,184 active 7(a) lenders by number of approvals.
How large are Montana Community Development Corp.'s typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $104K and the average $140K. The program-wide median was $190K.
What is Montana Community Development Corp.'s charge-off rate?
Of 113 disbursed loans approved in FY2010 to FY2021, SBA records 6 as charged off (5.3%), 90 as paid in full and 17 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Montana Community Development Corp. lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (21); personal care services (10); building equipment contractors (6); special food services (6).
Where does Montana Community Development Corp. make SBA loans?
In 6 states and territories. Idaho 45, Montana 30, Utah 20, Washington 6, Wyoming 2. In Idaho it accounts for 1.6% of all 7(a) approvals.
Is Montana Community Development Corp.'s SBA lending rising?
Approvals in the three latest complete fiscal years total 87, against 36 in the three before: rising (+142%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error