Gap Financing · Small Business Loans · Flexible Capital for Northeast Montana

Financing & Loan Programs

Financing & Loan Programs

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GNDC offers a range of loan programs to support entrepreneurs and business owners across northeast Montana — whether you're launching something new or growing what you've already built.

Our programs provide confidential assistance and gap financing tailored to your specific situation. If traditional lending hasn't worked out, we're worth a conversation.

Providing tools and guidance to help small businesses achieve success

Financing works best when it's paired with a solid plan. Here's how we recommend approaching it:

Step 1 — Build your Business Plan
Before applying for financing, work with one of GNDC's business advisors to develop a business plan and financial projections. This is what gets you loan-ready — and it's free.

Step 2 — Request a Loan Application
Once your plan is in place, contact our finace department to discuss which loan program fits your project and request an application.

Step 3 — Work with Our Finance Department
We will guide you through underwriting and loan structuring, and help you understand what to expect through the approval process.

How We can help

What financing can be used for
  • Establishing a new business
  • Purchasing, building, converting, expanding, or repairing a business facility
  • Buying equipment, machinery, or supplies
  • Covering startup costs and working capital
  • Creating or retaining jobs
  • Cleaning up contaminated properties
  • Starting up, expanding, or operating meat and poultry processing facilities
Apply for a Loan

For businesses affiliated with tourism. Eligible uses include startup, acquisition, and expansion of tourism-related small businesses, development or upgrades of permanent tourism assets or infrastructure, and projects that increase or support tourism visitation.

MT dept. of Commerce Tourism Revolving Loan Fund

A revolving loan fund for small businesses that are unable to obtain financing elsewhere at reasonable rates and terms. Both GNDC and the loan applicant must meet this requirement. Maximum loan is 75% of project cost or $250,000, whichever is less.

USDA Intermediary Relending Program (IRP)

Loan Programs

Financing for the startup, expansion, or operation of meat and poultry slaughter and processing facilities. Designed to strengthen independent meat processors and support a more resilient local food supply chain.

USDA Meat & Poultry Intermediary Lending Program (MPILP)


Provides funding to support revolving loan fund programs that assist businesses in local economies across Montana.

MT Dept. of Commerce Big Sky Economic Development RLF (BSED)


For Montana-based businesses with 10 or fewer employees and gross annual revenue under $1,000,000. Loans up to $100,000 per client.

MT Dept. of Commerce Micro Business Finance Program

Loans to small businesses that are unable to obtain financing elsewhere at reasonable rates and terms. Can be used for the same purposes as the IRP loan. Maximum loan is $50,000.

MT Dept. of Commerce Montana Board of Investments RLF

Cleanup funding for hazardous substance and petroleum remediation on eligible commercial properties. See our Brownfields page for more detail.

EPA Brownfields Revolving Loan Fund


GNDC is a certified CDFI, empowering us to grow our lending capacity and provide flexible capital to businesses and communities that traditional lenders often overlook.

Community Development Financial Institutions Fund (CDFI)

Request a Loan Application

(406)-653-2590 EXT  205

Kelcie Bates — Director of Lending
Kelcie has served as Director of Lending at GNDC since 2013. She works closely with local lenders and borrowers throughout the lending process — from application guidance and underwriting to loan structuring and approval.

Her goal is to make sure every project is financially sound and set up to succeed.

Let's Connect

[email protected]

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THank you!

Sarah Fisher - Moonlight Laserworks 

“With the help of GNDC and the SBDC, Sarah was able to apply and receive gap financing to secure her first laser machine for engraving along with other start-up costs. In her first year, she managed to exceed the one-year projections that she had made in Liveplan by her first 6 months in operation. “GNDC and specifically the SBDC allows me to continue to grow and network with other businesses in our area. It helps to share my business and what I have to offer.”

Meggan Gustafson, Owner of Meggan’s Daycare 

“The support and financing provided by GNDC were instrumental in making Meggan’s Daycare a reality. The gap financing offered by GNDC helped secure the purchase of the business, allowing us to fulfill our dream of providing quality child care to families in Circle. We are grateful for GNDC’s support and look forward to continuing to serve our community for years to come.”

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Ready to Take the Next Step?

Whether you’re starting a business, growing one, seeking financing, or trying to move a community project forward — the first step is simple. Let’s talk.

Call Us: (406) 653-2590