SBA 504 Loans


Working with a Lender, High Plains Financial can provide up to 40% of the financing for commercial real estate purchase, new construction and long term equipment with an SBA 504 loan.

A lender must partner with us to typically provide 50% of the financing, while the entrepreneur/business owner ends up paying as little as 10% down.

Effective Interest Rates

25-year note: 2.878%

20-year note: 2.804%

10-year note: 2.839%

25-year REFI: 2.880%

20-year REFI: 2.806%

The interest rates presented above are the effective rates and are inclusive of all fees. Interest rates are fixed for the life of the loan.


There is no limit to total project cost, we can lend up to 40% of the project cost with a dollar cap of $5,500,000 depending on the type of project.


  • Low Down Payment
  • Enhanced Cash Flow
  • Long Term Low Fixed Rates
  • Predictable Monthly Payments


  • CRA Credit
  • Mitigation of Risk
  • First Lien Position
  • 50% Loan-to-Value
  • Ability to Assist More Customers


  • Must be For-Profit
  • Most Businesses Qualify
  • Owners must have permanent legal status
  • Must have Profit after Taxes of less than $5 Million
  • Must have tangible Net Worth of less than $15 Million

Still have questions? Contact Jill Kohles at (406) 590-1056.

The Federal Equal Opportunity Act prohibits creditors form discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law Is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.