Montana commonly uses trust indentures, where the trustee holds a power of sale exercisable after a breach and the beneficiary may instead choose judicial foreclosure. The statute calls for the recorded notice of sale to be mailed at least 120 days before a trustee sale, and a construction lien must be filed within 90 days of the final furnishing of services or materials or the owner notice of completion.
World's Fair Capital makes business purpose loans to real estate investors in Montana: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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How a Montana loan works with us
- 1Start your application
Fill out a short application in our secure portal.
- 2Review the term sheet
We prepare a term sheet for you to review and e-sign.
- 3Underwriting
Our team works the file and sends a clear document checklist.
- 4Closing
We close and fund through the title or closing agent.
What investors should know about Montana
Trust indentures with power of sale
Montana trust indentures give the trustee a power of sale exercisable after a breach. They may be foreclosed by advertisement and sale or, at the beneficiary option, by judicial procedure.
Source: Mont. Code Ann. 71-1-304, checked 2026-10-11
Notice of trustee sale
For a trustee sale, a copy of the recorded notice of sale must be mailed by certified mail at least 120 days before the date fixed for the sale.
Source: Mont. Code Ann. 71-1-315, checked 2026-10-11
What a trust indenture is
Montana defines a trust indenture as an indenture conveying real property to a trustee in trust to secure performance of an obligation, the deed-of-trust style instrument under the Small Tract Financing Act.
Source: Mont. Code Ann. 71-1-303, checked 2026-10-11
Construction lien filing deadline
A Montana construction lien does not attach or become enforceable unless filed within 90 days after final furnishing of services or materials, or after the owner files a notice of completion.
Source: Mont. Code Ann. 71-3-535, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in Montana?
Your client stays your client. We work the deal with you, not around you.
Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.
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Questions on a Montana deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Montana investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in Montana?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.