Montana: business records and regulators
Where to look a business up in Montana, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Montana records and regulators
Business search
Look a business up in the state's register of businesses.
Montana Secretary of State: Business Search (opens in a new tab)
The search takes an entity name or file number; the record lists the entity's filed documents.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Montana Secretary of State: Liens Search (opens in a new tab)
It searches by debtor name or lien filing number and shows up to 100 results, which are not certified; certified results are bought with a UCC11 request form.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Montana
Official lists of the lenders that work in Montana. Each opens on its own site, filtered to Montana where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Montana on our route pages
- Business line of credit: A lender that is not a bank, credit union or other regulated lender may charge at most 15% a year, or 6 percentage points above the bank prime rate if that is higher, and there is no exception for business loans. A lender that charges more forfeits twice the interest. Banks and other regulated lenders have no limit, and neither does finance for sales between merchants. Montana's consumer loan license covers only loans to individuals mainly for personal, family or household purposes, not business loans. (Montana Code Annotated 31-1-107: interest rate allowed by agreement; Montana Code Annotated 31-1-108: penalty for usury; Montana Code Annotated 31-1-111: definition of regulated lender; Montana Code Annotated 31-1-112: regulated lenders and merchant finance exempt; Montana Code Annotated 32-5-102: definitions (consumer loan); Montana Code Annotated 32-5-103: engaging in business of making consumer loans restricted)
- Equipment loans and finance agreements: A lender that is not a bank, credit union or other regulated lender may charge at most 15% a year, or 6 percentage points above the bank prime rate if that is higher, and there is no exception for business loans. A lender that charges more forfeits twice the interest. Banks and other regulated lenders have no limit, and neither does finance for sales between merchants. Montana's consumer loan license covers only loans to individuals mainly for personal, family or household purposes, not business loans. (Montana Code Annotated 31-1-107: interest rate allowed by agreement; Montana Code Annotated 31-1-108: penalty for usury; Montana Code Annotated 31-1-111: definition of regulated lender; Montana Code Annotated 31-1-112: regulated lenders and merchant finance exempt; Montana Code Annotated 32-5-102: definitions (consumer loan); Montana Code Annotated 32-5-103: engaging in business of making consumer loans restricted)
- Online business loans: A lender that is not a bank, credit union or other regulated lender may charge at most 15% a year, or 6 percentage points above the bank prime rate if that is higher, and there is no exception for business loans. A lender that charges more forfeits twice the interest. Banks and other regulated lenders have no limit, and neither does finance for sales between merchants. Montana's consumer loan license covers only loans to individuals mainly for personal, family or household purposes, not business loans. (Montana Code Annotated 31-1-107: interest rate allowed by agreement; Montana Code Annotated 31-1-108: penalty for usury; Montana Code Annotated 31-1-111: definition of regulated lender; Montana Code Annotated 31-1-112: regulated lenders and merchant finance exempt; Montana Code Annotated 32-5-102: definitions (consumer loan); Montana Code Annotated 32-5-103: engaging in business of making consumer loans restricted)
Sources
- Montana Secretary of State: Business Search · checked November 1, 2026
- Montana Secretary of State: Liens Search · checked November 1, 2026
- Montana Department of Administration: Banking and Financial Institutions Division · checked October 20, 2026
- Montana Commissioner of Securities and Insurance: Securities (the Securities Act of Montana) · checked October 20, 2026