Private Money Lending in Montana
Montana's private lending market serves a growing population in Billings, Missoula, Bozeman, and Helena with rapid property appreciation.
This guide covers the essential legal and compliance considerations for private money lenders originating loans secured by real property in Montana. Whether you are a local private money lender or expanding into Montana from another state, understanding these requirements is critical to protecting your investments and ensuring enforceability of your loan documents.
Key Compliance Considerations for Montana
• Montana uses trust indentures (similar to deeds of trust) and permits non-judicial foreclosure through trustee's sale
• There is no usury limit for business-purpose loans in Montana
• Montana requires 120 days' notice before the trustee's sale, making it slower than neighboring states
• The state has no right of redemption after a non-judicial trustee's sale
Generate Montana-Compliant Loan Documents
Automate Loan Docs generates complete, Montana-specific document packages that comply with all applicable state requirements. Every template is drafted by the attorneys at Geraci LLP, whose team has over 30 years of combined experience advising private money lenders across all 50 states — including extensive experience with Montana lending transactions.
This guide is for informational purposes only and does not constitute legal advice. Private lending laws are complex and change frequently. Consult with a qualified attorney before originating loans in Montana. The attorneys at Geraci LLP are available for state-specific legal consultation.
Related: Usury Laws by State | Deed of Trust vs Mortgage | Multi-State Lending Guide | Glossary