Ground-up construction loans for builders and investors developing new properties in Montana. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Montana pairs sustained growth (Bozeman, Missoula) with STR opportunity in Glacier and Yellowstone-adjacent corridors. Migration inflow keeps rental demand strong across the I-90 corridor.
Bozeman has been one of the fastest-growing US micropolitans for years. Missoula adds sustained U of Montana + healthcare demand. Rental demand along Montana's I-90 corridor stays deep.
Montana continues to attract in-migration from higher-cost coastal metros — supporting steady rental demand across the state's main metros.
Kalispell, Whitefish, and Bozeman host active STR markets adjacent to Glacier and Yellowstone. Our DSCR program supports STR income where zoning permits.
Whether you're closing a single-asset SFR in a smaller Montana market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Yellowstone County — largest Montana metro
Missoula County — University of Montana + growth
Gallatin County — fastest-growing Montana city
Cascade County — Malmstrom AFB demand
Lewis and Clark County — state capital
Flathead County — Glacier NP corridor
Historic mining region — cash-flow secondary markets
Statewide coverage — send us any Montana property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Montana. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Montana — Billings, Missoula, Bozeman, Great Falls, Helena, and every other MT metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Montana. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Montana pairs sustained growth (Bozeman, Missoula) with STR opportunity in Glacier and Yellowstone-adjacent corridors. Migration inflow keeps rental demand strong across the I-90 corridor.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Montana investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Montana metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.