Pub 8 2020 Issue 4


Associate Member News

Upgrade is a new Associate Member

We’d like to introduce our newest associate member who can offer the Montana banking community a great solution! Upgrade recently joined the Montana Independent Bankers as an associate member. Upgrade partners with community banks to provide access to prime credit quality consumer assets. Upgrade is a marketplace platform, founded in 2016. Upgrade currently employs 357 nationwide and has facilitated origination of ~$3 billion in loans since inception. Upgrade offers affordable and responsible credit products to mainstream consumers through personal loans, auto refi and lines/cards and will be launching a HELOC product next year. Their unsecured assets yield 5-6% NET returns to community banks for prime credit borrowers and allows the bank to customize their credit box in either a national or geo-targeted footprint. They also offer free credit monitoring, credit alerts and credit education to their user base through the Upgrade Credit Health product. Please contact Nik Vukovich at or 415-940-7688 for more information!

Dakota Business Lending Welcomes Anjie Martins

Dakota Business Lending’s Newest Credit and Assistant Loan Officer in Montana

Dakota Business Lending is pleased to welcome Anjie Martins to the team as a credit and assistant loan officer in Montana, working to develop and foster relationships with lenders, small businesses and economic professionals, promote loan programs, assemble loan information, and assist in the preparation, underwriting, and submission of loan packages. Overall, she will support the lending staff and operations throughout the corporation.

A lifelong resident of Montana, Martins has gained over 15 years of experience in the banking, financing, and small business industry. She has worked for several banks throughout her career, assisting them with credit analysis, underwriting for SBA 504 and 7(a) loans, and helping with SBA PPP loans during the COVID-19 pandemic. Martins’ small business lending background and expertise will be a great asset to the Dakota Business Lending team, which she has joined to work alongside lenders to help small businesses. She was drawn to Dakota Business Lending due to their company culture and passion for small businesses, and looks forward to expanding their loan programs and services into Montana. In her free time, Martins enjoys traveling and outdoor adventures.

Founded in 1982, Dakota Business Lending is the oldest, largest and most experienced 504 CDC in North Dakota. With staff throughout North Dakota and in Lewistown, Montana, Dakota Business Lending serves North Dakota, Montana, and five counties in western Minnesota. This private, not-for-profit entity’s mission is to provide small business financing solutions through collaborative partnerships in a supportive, creative environment that grows the economy and creates or preserves quality jobs. Since its inception, Dakota Business Lending has provided over $500 million in loans with a total project impact exceeding $1 billion to small businesses and local economies.

The Montana Independent Bankers Association

This story appears in Issue 4 2020 of the Community Banker Magazine.