Montana has no sales tax, follows the federal code on Section 179 and bonus depreciation, and runs on ranching, wheat, mining, timber, and the edge of the Bakken. Bozeman and Missoula are building fast, and data centers are starting to show up in the state. Equipment works far from the dealer here, which is why used machines with known service history do so well.
We place Montana files with lenders that fund in the state, from a Billings site-work contractor to a Hi-Line grain operation to a Kalispell logging crew. Options in 24 to 48 hours on a soft inquiry.
Who we finance in Montana
What is driving equipment demand in Montana
- Bozeman and Missoula remain among the fastest-growing small metros in the West.
- A growing data center push is adding construction work in the state.
- Ranching, mining, and oil and gas keep heavy equipment turning over in eastern Montana.
We work with businesses across Montana, including Billings, Missoula, Bozeman, Great Falls, Kalispell, and Helena, and the rural counties in between.
Sales tax and income tax on equipment in Montana
Tax rules change and depend on your facts. Confirm with your accountant before relying on any of this.
Trucks, trailers, and titling in Montana
- Apportioned registration for interstate carriers through MDT Motor Carrier Services. No weight-distance tax and no annual inspection.
- Off-road equipment is not titled.
Where Montana buyers find equipment
We finance equipment from any dealer, auction, or private seller. Dealers and auctions our Montana customers use include Western States CAT, Tractor and Equipment Co. (Caterpillar, Montana and Wyoming). Get pre-approved before you go so the seller sees a buyer who can close.
Equipment we finance
Excavators · Dozers and loaders · Skid steers · Semi trucks · Trailers · Farm equipment · Cranes and lifts
About financing in Montana
Equipment financing in Montana is arranged through Land Tech Capital's network of third-party lenders and lessors. Land Tech Capital is a New York based commercial finance broker, not a lender, and does not hold a Montana license. Your financing agreement will be with the lender or lessor, who provides any disclosures Montana law requires. No fee is charged to you before funding, and we are paid by the lender when a deal closes.
Questions we get
Is there really no sales tax on equipment in Montana?
Correct. Montana has no general sales tax, so a tractor or excavator is financed at the purchase price with no tax added.
Can a ranch time payments to calf sales?
Yes. Ag programs offer annual or semi-annual schedules that fit the operation. Tell us up front and the file goes to those lenders.
Do you finance used equipment bought at auction in Montana?
Yes. Auction purchases from Ritchie Bros., Purple Wave, and similar are financed regularly, with age and hour limits that depend on the lender.
