By Evelyn Pyburn

Did you know that one of the reasons for the shortage of the COVID-19 test kits was that, not only did the CDC, a large purchaser in the market, restrict their purchases to one company, but they eventually imposed a law on the private sector that basically made it illegal for any other companies to manufacture test kits?

Why a government agency would create such a monopoly advantage for one company can be left to the imagination, but it is an example of the kinds of rules and regulations that have weighed down the health care industry for decades and decades.

There has to be more than a little irony that when the government rushed in to take care of business in regard to the COVID-19 virus they found as primary stumbling blocks the same regulations they had forced upon the industry, and about which many people have long and vociferously complained for decades, as hobbling efficient production, and as being the primary reason for the extremely high cost of health care in the US.

If this alone — the removing of these regulations and focusing a light upon regulatory practices for their crippling impact on the industry and patients – if that should be the only benefit of this upheaval of American life and business, then it will have been well worthwhile.

One has to temper optimism with the realization that there are high-profile politicians (NY Governor Andrew Cuomo, for example) who, right now, are actually advocating that we should double down on top-down control by nationalizing private businesses ….as though there is any evidence that they have ever been able to outperform the private sector. Coercion and political clubs have never created a single marketable product or innovation.

One has to be puzzled about why any rational person would advocate practices that have been so thoroughly discredited as being a benefit to consumers.

All kinds of nonsensical regulations have been falling over the past few weeks as health care workers and other market providers had to be freed from government shackles in order to do their jobs.

For example, they had to remove regulations so that doctors, nurses, and other health care professionals could practice medicine across state lines. Government commonly restrains all kinds of industry segments with this kind of restraint. It is absurd regulation and cannot be justified as being for the prevailing good for consumers. It may empower government but it does not deliver inexpensive, convenient and quality medical care.

Or how about a regulation that dictated how doctors may contact their patients? One of the recently rescinded regulations is that The Department of Health and Human Services suspended a federal regulation that forbids doctors from using their personal phones to communicate with Medicare patients! In this day and age??

Said Pat Barkey, Montana’s premier economist at the Bureau of Business and Economic Research, “If doing this at a time of crisis is warranted what would be the harm of doing it all the time? Our economy is choked with senseless regulations that are mindlessly implemented and do us immense harm.”

When government steps in to tell the private sector how to do things, there is no end to the level of minutia they can reach. The regulations are routinely imposed to solve some problem with never a glance at the broader negative impacts.

So silly and trivial can be their tinkering, and so greatly do they exceed common sense, that one of the difficulties in persuading the uninformed that this is a problem, is that when you tell them some of the specifics, they believe you must be making it up or exaggerating.

Absurd regulation is of course not just a federal issue but it reaches down to local levels. In Montana, for example, some health care providers in order to get licensed must go to state bureaucrats and “show need” for their services. The fact that someone is willing to step into the market, invest money and go through all the regulatory hoops isn’t enough to convince government that entrepreneurs can see a need / opportunity. The whims of un-invested, detached and usually market naïve bureaucrats have final sway over the services, products and prices that are made available to Montana consumers. And, most outrageously, often times it is other bureaucrats, protecting their government funded agencies, who stand up (also at taxpayer expense) to object to the “competition.” They seem not to know that they are not the same as a business. They seem not to understand (or maybe they do) that if the private sector can outperform a government agency providing the same service, the logical process should be for government to bow out and save the taxpayers the expense of something that can be provided better in the private sector.

To “show need” was  at one time common as a regulatory demand in all states,  but most states have  abandoned it. Not so Montana, even though it has been brought forward repeatedly to the state legislature. It is such an absurd approach to advancing health care with its rapidly changing technology, new products and ideas for increasing and improving services, one has to be baffled at the motivation of anyone opposed to eliminating a costly and purposeless barrier.

We have to hope that this is a life lesson for the bureaucrats and politicians who are now struggling to combat the coronavirus.  Let’s hope that they are realizing what free market advocates have been saying since the founding of the country: government regulation hampers the ability of free people and civil society to innovate and solve problems, and to meet consumer demands at the lowest cost, most efficient and prudent means possible.

Let’s hope that this misfortune brings about more affordable health care!

Courtney Fryling has been promoted to assistant vice president, residential real estate market manager for Stockman Bank. She oversees and manages the residential real estate departments for all five Billings Stockman Bank locations.

Courtney Fryling

 Her responsibilities include coordinating the residential real estate activities in Billings and surrounding areas; working directly with the lenders to develop and expand new and existing business relationships; conducting educational seminars for realtors and their affiliates; as well as coordinating marketing strategies to enhance Stockman Bank’s real estate loan portfolio. 

 Fryling, who has been with Stockman Bank since 2015, brings 30 years of real estate lending experience to the position, which includes specializing in conventional, FHA, VA and rural development loans; as well as customer relations and business development. She is a member of the Billings Association of Realtors (BAR), Home Builders Association (HBA), and participates in other local and statewide organizations on behalf of Stockman Bank.

 She is located at 2700 King Avenue West.

By Evelyn Pyburn

While getting a disaster loan through the US Small Business Administration is an important salvation for many businesses suffering losses because of the COVID-19 business closures, waiting weeks for the loan approval process may still be too much for some small businesses to survive.

To bridge that gap Big Sky Economic Development (BSED) has structured a more immediate loan process designed to get cash into the hands of small businesses, as soon as possible.

In talking to many small businesses in the Billings area and asking them what they needed to survive, Dena Johnson, SBDC Regional Director and BSED Entrepreneurial Development, said that they were repeatedly told that weeks will be too long to wait. She said that one businessman of ten years in Billings said, “I won’t make it if funding takes more than a couple weeks… I need cash and I need it fast.”

A BSED team went to work structuring a program that would fit the urgent need, which will utilize funds from a reserve set aside by BSED for just such a purpose.

In a special BSED “zoom” board meeting, on Monday, the program received approval and Brandon Berger, BSED Director of Business Finance, was given authority to administer it.

Berger explained that the board made available $250,000 to make interim loans of up to $15,000 per owner /business who has filed for an SBA Disaster Relief Loan. Upon application the funds should be available within 24 to 48 hours. The one year loan will be charged 2 percent interest. When the SBA loan comes through for the business owner, the first disbursement will be to repay the $15,000.

If the applicant should be refused by the SBA for a disaster loan, the BSED bridge loan will convert to a three-year loan.

Details for the “BSED Stabilization Loan Program” are still being worked out, but the US Small Business Administration is accepting applications for disaster loans now. BSED will announce when they are ready to accept applications.

Since SBA 504 loan clients are being offered an opportunity to defer their principal and interest payments for six months to help cope with the losses suffered from COVID-19 economic impacts, Berger said those clients will not be considered eligible for the BSED Stabilization Loan Program. Many of those clients have already applied for deferred payments. Berger said those applications are coming “fast and furious.” So far they have received 19 requests.

[Forms to apply for SBA loans is available on line at https:// disaster/ apply-for-disaster-loan/ index.html? mc_cid= 00841b9e69& mc_eid= 906d2a23d1]

Berger explained that the $250,000 is being drawn from a reserve of $1 million that BSEDA acquired through the administration of a federal Small Business Credit Initiative. BSEDA was charged with loaning the money to businesses and as the principle and interest was repaid the agency was allowed to retain the funds to use as they see fit to support businesses.

By Cary Hegreberg, President/CEO of the Montana Bankers Association

Montana’s banking industry is strong, well-capitalized, and stands ready to help consumers and small businesses weather the economic crisis caused by a pandemic that is forcing people out of work and many small businesses to temporarily close their doors.  Community banks throughout Montana have stood the test of time, serving people and businesses with federally insured deposit accounts, loans and financial services. That commitment has not wavered.

The Montana Bankers Association, through our national affiliate the American Bankers Association, is working hourly with Congress, state and federal regulatory agencies, the Small Business Administration, and other entities to assure that consumers and small businesses impacted by the Coronavirus will have continued access to credit and other financial services.  Federal regulators have been extremely empathetic and proactive in recognizing that many individuals and businesses, through no fault of their own, will be unable to make scheduled loan payments. 

At this moment, the SBA is rushing to find ways of immediately infusing cash into the hands of business owners so they can retain employees and meet financial obligations.  Regulators are giving banks latitude to restructure loans, and provide other relief measures for borrowers, as long as sound lending principles are applied.  We encourage those who anticipate difficulty making timely loan payments to contact your banker as soon as possible to discuss options.  The sooner discussions begin, the more options will be available.

Like any business, a bank’s first concern is for the health and safety of its employees and customers.  In some cases, banks may temporarily close branch lobbies, but leave drive-through services and ATMs open.  Remote, internet banking services will continue to serve the needs of many customers.  Elderly people requiring personal banking services, but concerned about vulnerability, are urged to call the branch manager and request an appointment, with extraordinary precautions taken prior to arrival.

Montana’s community banks take their commitment and obligation to the people and businesses in their communities very seriously, and our industry will do everything in our power to provide the financial services needed for local economies to function and to prosper in the future.  The Montana Bankers Association also wants to remind Montanans that every bank in Montana insures deposits through the Federal Depository Insurance Corporation (FDIC), which oversees the safety and soundness of banks throughout the U.S. The safest place in the world for your money is your local bank.

By Dan McCaleb, Center Square

The U.S. House  approved a historic $2 trillion coronavirus stimulus package that will send billions of dollars directly to Americans and provide hundreds of billions more for businesses, health care systems and others impacted by the pandemic that has crippled the economy.

It is by far the largest relief package in the nation’s history.

The voice vote was overwhelmingly in favor of passage. U.S. Rep. Thomas Massey of Kentucky requested an official roll call, but he was overruled. No official roll call was taken.

The measure passed 96-0 in the Senate, before going on to the President for his signature.

The stimulus package includes $250 billion in direct payments to Americans depending on their income, $250 billion in expanded unemployment insurance benefits, $350 billion in guaranteed small business loans and $500 billion in loans for businesses negatively impacted by the pandemic.

It also includes $140 billion for hospitals and other health care providers.

Assuming Trump’s signature, the legislation will provide payments of $1,200 to each adult and $500 to each child younger than 17, depending on a household’s 2019 income. A married couple with children could receive up to $3,400.

The payments start to phase out for individuals with an income of $75,000 or more, or an income of $150,000 for couples filing jointly. Individuals making more than $99,000 or couples earning more than $198,000 would not be eligible.

House Speaker Nancy Pelosi called for the Trump administration to send the payments to individuals and families electronically to speed the process. Treasury Secretary Steven Mnuchin has said most people will get their payments within three weeks.

The unemployment enhancements will send an extra $600 a week for up to four months in addition to state unemployment benefits. Nearly 3.3 million Americans filed unemployment claims last week, a record number as businesses considered nonessential were forced to shut down to help slow the spread of the novel coronavirus.

Self employed individuals, including freelancers and gig workers such as Uber drivers, will be elligible.

Another $500 billion in loans will be made available to struggling governments and industries including airlines, states and cities. Airlines will receive $29 billion in grants and $29 billion in loans and loan guarantees.

Payment on student loans held by the federal government will be suspended until Sept. 30.

The legislation also places a 120-day moratorium on evictions for renters whose landlords have mortgages backed by federal agencies.

Critics say the package includes unnecessary pork spending unrelated to the coronavirus, including $25 million would still be allocated for the Kennedy Center for the Performing Arts.

Pelosi said this will not be the final congressional response to the crisis.

Nearly 3.3 million Americans filed unemployment claims last week, a record number as businesses were forced to shut down by state and local governments across the U.S. to help slow the spread of the novel coronavirus.

President Donald Trump said he wanted the U.S. to reopen by Easter Sunday, which is April 12. With the U.S. surpassing 1,000 deaths and nearing 81,000 confirmed cases of COVID-19, many health officials said that would be too early. But Trump reiterated during a press conference that the country can’t stay closed for long.


KMM Properties Llc/Mr. G’s Quality Construction, 614 N 30th St, Com Addition, $3,800

Rocky Mountain Oil Inc/Custom Concrete Inc., 4041 Grand Ave, Com Addition, $13,000

Sharon Ille Trust/C’s Construction Of Billings, Vinyl Siding 3405 Arlene Circle, Com Fence/Roof/Siding, $57,077

VAP Family Limited Partnership/C’s Construction Of Billings,  Metal Roofing, 905 Main St   Com Fence/Roof/Siding, $46,000

Yellowstone Lutheran Brethren/JMH Construction LLP, 852 Governors Blvd, Com Fence/Roof/Siding, $49,300

Broadstone WI MT ND LLC/Broken Arrow Construction Inc, tear Off Install 50 Mill Membrane 1025 Grand Ave, Com Fence/Roof/Siding, $21,400

Broadstone WI MT ND LLC/Broken Arrow Construction Inc, ear Off Install 50 Mill Membrane 1226 Main St, Com Fence/Roof/Siding, $21,400

McCall Development/McCall Development, 6008 Elysian Rd, Commercial New 3+, $515,000

McCall Development/McCall Development, 6026 Elysian Rd, Commercial New Other, $112,385

State Of Mt Department Of Administration/Precision Plumbing. & Heating. Inc., 701 S 27th St, Com Remodel, $90,000

Valley Federal Credit Union/Master Protection Corporation, 207 N 28th St, Com Remodel,   $4,700

Billings Clinic/Dick Anderson Construction, 2800 10th Ave N, Com Remodel, $213,000

Charles King, 1540 13th St W, Com Remodel,  $80,000

Broadwater Ventures Llc/Neumann Construction, 1114 Broadwater Ave,  Com Remodel,   $8,000

Lutheran Retirement Home Inc/Yellowstone Basin Construction, 3940 Rimrock Rd, Com Remodel, $500


Aaron Lanford/Big Time Construction, 4703 Silver Creek Trl, Res New Single Family,    $304,535

Big Time Construction/Big Time Construction, 4626 Silver Creek Trl, Res New Single Family,    $319,038

J & M Development LLC/J & M Development, 1821 Sartorie Rd, Res New Single Family,    $205,073

Evergreen King’s Ace Hardware store is open at 1540 13th St West.

Over the past few months, the 34,000 square foot building has been the site of a massive half-million dollar remodel, converting it from the former IGA Grocery Store, to the largest King’s Ace Hardware store in the region. It will be the sixth store in the area, owned by Skip King who has been in the hardware business since he was a boy working alongside his father.

L-R Skip King, Owner Ace Hardware; Tyler Powers, Assistant Manager, Mike Albertson, Manager

If the interest in the neighborhood about what’s going on is any indication, the store will be a welcomed addition. In visiting with Skip King at the front door, people kept pulling off the street and into the parking lot to ask questions about the opening and what the plans are. That’s been going on all during construction, said King — people in the neighborhood wandering in and taking a look around and asking questions.

“I think the store is going to impress people when they walk in,” he said.

It’s not the first time that there has been a hardware store at this location in mid-town Billings. In the early 60s, the Odegaard family operated, quite successfully, a hardware store at the same location. King believes a need for a hardware store to serve that neighborhood still exists, and he spent a lot of time looking for the perfect site. When he heard the news that the IGA store was closing, he wasted no time in striking a deal for the property.

The store will employ about 30 people, most of whom are already in training at other King Ace Hardware stores. Its manager will be Mike Albertson, and assistant manager is Tyler Powers.

King’s Ace Hardware also engages many high school students with their stores, giving them exposure to the retail business and on-hands experience, a program for which they are being recognized by the National Hardware Association.

King is especially excited, not only for the size of the new store, and the wide variety of wares that it can carry, but it has a large enough parking lot to allow for many activities that he’s always wanted to be able to do at his stores. Things like grilling demonstrations or pet grooming workshops, both of which are extensive departments in the new store. They have space enough that they may also be able to provide a community room.

The store will be the location of employee training, not just for King’s Ace Hardware stores but for Ace Hardware stores throughout Eastern Montana from Bozeman to Malta – events which often draw as many as 300 people to Billings. Ace Hardware is a buying group that serves a membership of store owners.

“It’s going to be a fun place,” said King. Adding to that mix will be something distinctively new for a King’s Ace Hardware, a soup and sandwich shop. To be operated by the Hoefle family — Stu, Cydney and Mitch — the shop will open sometime later than the hardware store. It will comprise about 2300 square feet of the same corner of the building in which IGA had a luncheon area.

Evergreen King’s Ace Hardware will be similar to the Zimmerman Trail store – a full service hardware store, but also featuring a Hallmark gift store and a Montana-made boutique.

The store will also have a large garden center with four green houses, to be open just in time for the spring gardening season.

A large grilling and patio section will feature a full line of Traeger grills. The store is one of only two sanctioned Traeger dealers in the state.

They will also feature a full line of Benjamin Moore Paints and offer basic lumber and building supplies. They will have the largest selection of fasteners in town.

King’s Ace Hardware is also a Honda dealer for power equipment.

Customers may also order on-line from the Ace Hardware website and have items shipped to the store postage free.

Pedestrian fatalities have been increasing over the past decade, according to the Governors Highway Safety Association, which expresses puzzlement as to why.

In the end, their analysis seems to blame it on drivers shifting from the use of cars to SUVs and pickup trucks. Pedestrians struck by a large SUV are twice as likely to die as those struck by a car.

Another possible reason is the legalization of pot.

Based on data from the first six months of 2019, the Association projected there were 6,590 pedestrian deaths that year, which would be a 5 percent increase over the 6,227 pedestrian deaths in 2018 — the highest number of such deaths in more than 30 years, according to the association.

“In the past 10 years, the number of pedestrian fatalities on our nation’s roadways has increased by more than 50 percent,” said GHSA Executive Director Jonathan Adkins, calling the trend “alarming.”

Pedestrians are projected to account for 17 percent of all traffic deaths in 2019, compared to 12 percent in 2009.

While nationally the increase (based on 2017 data) was 35 percent over a decade, in Montana the increase in pedestrian fatalities has been 20 percent – increasing from 5 to 6 in 2018.

The report mentions that of “[t]he seven states (Alaska, Colorado, Maine, Massachusetts, Nevada, Oregon, Washington) and DC that legalized recreational use of marijuana between 2012 and 2016 reported a collective 16.4 percent increase in pedestrian fatalities for the first six months of 2017 versus the first six months of 2016, whereas all other states reported a collective 5.8 percent decrease in pedestrian fatalities.”  But so far the data is inconsistent about the impact of pot legalization.

The Association’s report states, “In recent years, the number of pedestrian fatalities in the United States has grown sharply. During the 10-year period from 2008 to 2017, the number of pedestrian fatalities increased by 35 percent (from 4,414 deaths in 2008 to 5,977 deaths in 2017); meanwhile, the combined number of all other traffic deaths declined by six percent. Along with the increase in the number of pedestrian fatalities, pedestrian deaths as a percentage of total motor vehicle crash deaths increased from 12 percent in 2008 to 16 percent in 2017. . . . GHSA estimates the nationwide number of pedestrians killed in motor vehicle crashes in 2018 was 6,227, an increase of four percent from 2017.”

Unmentioned in the association’s conclusion is the fact that there has been an all-out press by the federal government trying to encourage, if not force, more people to walk and cycle rather than drive. If there are more pedestrians as a consequence, would not that increase explain the increase in the number of pedestrian / vehicle accidents?

According to the report:

—25 states (and DC) had increases in pedestrian fatalities;

—23 states had decreases; and

—Two states remained the same

— Five states (Arizona, California, Florida, Georgia and Texas) accounted for almost half — 46 percent — of all pedestrian deaths. On a per capita basis the highest is New Mexico, Arizona, Louisiana, Florida, Mississippi, South Carolina, Hawaii,

—  New Mexico had the highest rate of pedestrian deaths per resident population, while New Hampshire had the lowest.

— Increases in pedestrian fatalities are occurring largely at night.

The study suggests that pedestrian fatalities may be linked to population growth in specific cities and states.

It also states: “The increasing shift in U.S. vehicle sales away from passenger cars to light trucks (with light trucks generally causing more severe pedestrian impacts than cars) is also a factor. Although passenger cars are the largest category of vehicles involved in fatal pedestrian crashes, the number of pedestrian fatalities involving SUVs increased at a faster rate — 50 percent – from 2013 to 2017 compared to passenger cars, which increased by 30 percent.”

An analysis of states with an increased number of fatalities compared to those with a reduced number, interestingly reveals that most of the states with increases are southern states, while those with lower rates are northern states.

One analysis of the data by ………..suggests that the reason for increased pedestrian fatalities has to do with the trend of states legalizing the use of marijuana and the fact that more pedestrians and drivers are under its influence.

Despite the state’s number of SUVs and pickups on the highways, Montana, on a per capita basis comes in just below the mid-point of a ranking of the states in terms of pedestrian fatalities.

By Evelyn Pyburn

Evelyn Pyburn
Evelyn Pyburn, Big Sky Business Journal

The coronavirus is a scary thing.

Not so much because of the threat of the disease but for the demonstration of how easily an entire population can be whipped into hysteria that far exceeds the reality of a threat.

Tesla and SpaceX CEO Elon Musk has called the panic “dumb.” And, it is.

It’s not that the coronavirus (CORVID-19) isn’t a serious issue that needs to be taken seriously but it isn’t a crisis that should make people terrified to come out of their houses.

We the people of this country deal with problems and issues of this magnitude — and in fact much greater magnitude — every day, folks!

Usually, we take for granted that we can deal with the problems. Perhaps we shouldn’t take so much for granted, but we do have a great track record and we should be far more confident than what the current panic would indicate.

Why is everyone freaking out?

For all the world it feels a great deal like political correctness gone amuck. Is it somehow cool to lose your cool? Leaders of businesses and organizations are making decisions and taking actions that seem more directed toward public perception than dealing with a real problem.

So far 39 people in the US have died of this virus. 39.

Of the thousands of people who come down with the regular flu every year, 57,000 people in this country die from it. And it’s not just the flu; a similar number die from tuberculosis each year. Why aren’t people hysterical about these health threats if it is health threats they are really concerned about? They could be in panic-mode every year.

Back in 1918 we had a real flu epidemic. A forerunner of COVID-19, the Spanish Flu, swept the planet killing between 20 million to 50 million people worldwide, including some 675,000 Americans. It happened during World War I and many US soldiers fighting on European battlefields were left wondering why they no longer heard from home, only to return home and discover all their family had died from the flu.

But that has not happened since because, we the people, have done many things to mitigate such threats. From greater education about why it happened, to better hygiene, better medicine, better technology and medical facilities and smarter and more talented medical professionals. We took care of things, and so we will this time.

The problem with the panic is that it is creating other problems—really serious problems that are causing far greater harm than the disease. The panic is putting large companies into bankruptcy which creates far more job casualties. Jobs lost mean lost income, lost health insurance, leaving families unable to meet other health care needs.

Small businesses too are being pushed out of business, destroying the livelihoods of many others, not to mention the destruction of life-long investments. Lower returns on savings destroy the capital for future businesses or the viability of retirement funds for thousands or millions of people.

As distribution lines close and manufacturers shut down, all kinds of parts and components and materials needed to produce other important life-sustaining, business sustaining, job sustaining products are not available.

The impact of panic is immense and long –term and will never be fully measured.

It all makes so little sense, once one considers all that we have going for us.

And, have you talked to a little kid lately? All the crazy so-called adults are scaring them to death. Little kids shouldn’t be scared in such ridiculous ways.

Perhaps there is one positive thing that might emerge from all the extreme caution and health care prevention. Maybe fewer people will get the regular flu and fewer than 57,000 people will die this year. That would be one  every big positive.

Tye LaFranier Construction, 2540 Old Hardin Rd, 59101, 855-6707, Tye LaFranier, general contractors

Glacier Express Car Wash, 1832 King Ave W, 59102, 321-1773, Dan Palmer, service

Billings Jiu Jitsu LLC, 1116 Broadwater Ave, 59102, 856-264-1264, Gwendolyn Nikkels, service

Vertex Tower, 4505 Thorpe Rd, 59714, Belgrade, Andrew Bates, service

Mankin Commercial and Residential Services, 4525 Lux Ave, 59101, 541-291-1425, Anthony Mankin, service

Trailhead Investments LLC, 9440 S Frontage Rd, 59101, 239-0711, Brandee Kirschenmann/Shane Erving, auto business

Your Home Away from Home Assisted Living, 1839 Venus circle, 59105, 949-293-0877, Jessica Robinson/Jeanette Meyers, service

Ladies of Excellence Cleaning Service, 1540 1/2 Burlington Ave, 59102, 591-7371, Heather Schutz/Nikki McClusky, service

Petersen Construction, 5038 Sweet William Ave, 59106, 860-5029, Arnie Petersen, general contractors

Heights Cleaning Service LLC, 2204 Bench Blvd, 59105, Alma Bustos Torres, service

MFIB AZ, LLC, 1571 N Greenway Hayden Loop, Ste 200, Scottsdale AZ, 85260, 480-368-8500, Justin Krueger, general contractors 

Vandal Restoration, 1524 Wind River Ln, 59101, Daniel Vandal, misc

Anderson Towing 6, 706 Central Ave, 59101, 864-354-4666, Cameron Cochran, service

Anderson Towing 7, 706 Central Ave, 59101, 864-354-4666, Cameron Cochran, service

Anderson Towing 8, 706 Central Ave, 59101, 864-354-4666, Cameron Cochran, service

Fulbright Fitness Repair, 315 S 38th St, 59101, 633-5194, Robert Fulbright, service

Christie Construction, 636 Main St, Roundup 59072, 670-0596, Scott Christie, general contractors

Mountain Manual Therapy, 3210 Henesta Dr, unit D, 59102, 425-3015, Madison Kebble, service

Western Woodcraft, 1119 Victory Ave, 59105, 598-4038, Jon Harper, service

PJ’s Plumbing and Heating, 52 Bullrush – Unit A, Belgrade 59714, Erik Chidester, plumbing contractors

Dave’s Custom Cutting & Firewood, 121 N Canal Dr, Huntley 59037, 699-9900, David Anderson, service

J&E Cleaning  Services, 4335 Mariental Drive 37, 59106, 781-479-9220, Elizabeth Ruiz, service

Montana Nest, 3512 Glenfinnan Rd, 59101, 794-2124, Kelly Pates, retail sales

B-Wood Baseball LLC dba D-Bat, 300 S 24th St W – #A01A, Richard Wood, retail sales

Bernie LLP, 2917 Doreen Dr, 59102, 698-7880, Robin Dangerfield, general contractors

The Photographers, 300 S 24th St W-Ste D08, 59102, 850-3490, Richard Oshess, service

Clarity Automotive group LLC, 2531 Cook Ave, 59102, 272-2548, Keith Bishop, service

Freedom Therapeutic Counseling Inc, 2013 24th St W #1, 59102, 899-9944, Dalondric Bergen, service

American Hail Company, 3908 1st Ave S, 59101, 720-667-8879, Rachel Thomas, service

OSO Construction, 1032 Lake Elmo Dr #2, 59105, 861-1268, Octavio Sanchez, general contractors

Roger Black, 1397 Water Peak Rd, 59105, 855-9486, Roger Black, service

Cory’s Auto Repair, 2098 Hickory Dr, 59101, 894-2040, Cyndi Bendt, auto business, 

Shotcrete Montana LLC, 2319 Minnesota Ave, 59101, 206-4711, general contractors

Go West Timber Management, 1202 69th St W, 59106, 381-7065, Tasha Rall, general contractors

James Moore & Joeann Black, 3045 Outfitter Trail, Laurel 59044, 855-6360, James Moore/Joeann Black, service 

Gaalswyk Shoeing Construction, 4228 Jackrabbit Dr, 59106, 860-3491, Larry Gaalswyk, service

Scheel Services, 41 Wildflowers Circle, 855-2270, Park City 59063, Kristen Bertch, service

RCM Carpentry, 2602 Yellowstone Ave, 59102, 690-7692, Reese Miller, general contractors

T-C excavating, 3901 Buffalo Trail Rd, Molt 59057, 670-3991, Tony LaFave, general contractors

 KP Inspections, 3027 Silverwood St, 59102, 598-5817, Kane Purcella, service

Balance Point Wellness Studio, 2108 Broadwater Ave Ste 200B, 59102, 916-601-0812, Kim Martin, service

Ms. Meyers, 3929 4th Ave S, 59101, 850-0807, Gabrielle Meyers, service

Schafers Lawn and landscape LLC dba Billings Lawn, 312 Laurie Ln, 59105, 794-2724, Drake Schafer, service

District 11 Vending, 749 Miles Avenue, 59101, Allyn Runde, 218-410-1669, service

Lakeview Professional Services LLC,  2525 Keel Dr, 59105, William Ruegsegger, 855-5746, service

TC Timeline Construction, 272 lower deer creed Rd, Big Timber 59011, 209-7099, 855-5746

Sullivan Electric LLC, 3527 Clint Rd, 59105, 672-7266, Shawn Sullivan, electrical contractors

Barefoot Yards, 36 Redrock Dr, 59102, 471-5840, Charles Daugherty, service

DDP Construction Services, 4450 Alamo Dr – Ste 501, Tampa FL 33605, 704-768-2037, Amanda Mader, services

BCI Technologies Inc, 1202 N Great Southwest Parkway, grand prairie TX 75050, 214-490-6158, Donnie Hroch, service

Innovative Technique, 816 Wyoming Ave, 59101, 696-2721, Carson Eddie,  general contractors

EBO LLC, 1556 Forest Park Dr, 59102, 690-5492, Nathan Yonts, service

Beverly Richards 2 U, 1305 Maxer Circle, 59101, 661-304-6778, Beverly Richards, service

Fresh Floors LLC, 501 S 44th St W Apt 2208, 59106, 694-6702, Jason Heverly, service

Quality Building & Construction, 1117 Hemlock, 59101, 598-8862, Michael Marino, general contractors

City Brew Coffee (27 N 27), 27 N 27th St, 59101, 294-4620, Hannah Pimley, restaurants,

DD Roofing, 36050 Bowen Rd, Yoder CO 80864, 719 217- 8020, Daniel Delgado, roofing contractor

Jacob Platt, 631 Pebble Beach Rd – unit 2, 59105, 850-7698, Jacob Platt, general contractors

Project Lunch, 2401 2nd Ave N, 272-2470, 59101, Sarah Moyer, restaurants

Sterling Crane LLC, 9351 Grant St – Ste 250, Thorton CO 80229, service

Taylor Smith LLC, 3040 Central Ave, 59102, 702-0366, Taylor Smith, service

Brewhalla, 1211 24th St W, 59102, 850-1182, Philip Eldridge, retail sales

Platinum Style Mobile Detailing & Lot Washer, 920 S 28th St, 59101, 598-5998, Trabias Smith, service

Cal Lueck, 24 Hilltop rd, 59105, 256-0980, Cal Lueck, , service 

Pro Edge Roofing and Siding, 2150 Monad Rd, 59102, Erik Peternel, general contractors     

 Nomadic Creations, 42 Aladin Ln, 59105, 281-4753, Damon Rodgers, retail sales

JAS Contracting, 2311 Lampman Dr, 59102, 591-6963, John Soto, general contractors

Ideal Balance PLLC, 2525 4th Ave N – STE A, 59101, 509-593-5060, service

 Sarah Blades Consulting LLC, 2925 Gregory Dr, 59102, 697-6391, Sarah Blades, service

Blue Streak Distributing, 5221 King Ave West Unit 2, 59102, 202-2081, Kyle Bean/Brandon Haworth, distributors

AH Roofing, 1818 RD 3556, Cleveland TX 77327, 832-883-2271, Avimael Herrera, roofing contractor

Nielsen Drywall, 262 Rolling Meadow Dr, 59101, 672-3062, Lindsey Nielsen, service

Compliance Monitoring Systems LLC, 2809 Great Northern Loop Ste 200, Missoula 59808, 672-3062, Jodine Tarbert, service

Spade Dirt Works and Snow Removal, 3544 Old Blue Cr Rd, 59101, 696-6804, Erin Spadt, service

Baileys A1, 230 Grand Ave #4, 59101, 598-5950, Chris Bailey, general contractors

Darn It!, 4841 Custer Ave, 59106, 694-8220, retail sales

Boelter’s White Glove Cleaning, 939 Wicks Ln, 59105, 208-5708, Kristie Boelter, service

David Bertrand Flooring, 216 Calhoun Ln, 861-4758, David Bertrand,  general contractors

Guy Eal De La Marcos Consultants, 846 S 26th St #30302, 59101, 598-5417, Iesha Dembo/Neoal Hayes, service

Cindy’s Cleaning Service, 570 Pinon Dr, 59105, 696-1658, Cindy Lazz, service

Pinnacle Windows of Billings, 1125 Maggie Ln, 59101, 578-0056, Kenny Kunz, general contractors

Winding River Cleaning LLC, 1432 King James St, 59105, 208-317-4981,Jordan Clayton, service