Union WY Finance Company LLC · Gillette, Wyoming

Lending built on plain terms and steady ground.

We fund personal, business, agricultural and bridge loans for people who'd rather read one clear page than a stack of fine print. Based in Wyoming, built for people who work the land and run the shop.

Request a Consultation See Loan Types

About the Company

A lender headquartered where the work actually happens.

Union WY Finance Company LLC is a Wyoming loan company operating out of Gillette. We work directly with borrowers rather than routing everyone through a call-center script — ranchers financing equipment, tradespeople bridging a project, and families consolidating debt into one payment they can actually track.

Our underwriting looks at the whole picture: cash flow, collateral, and the plan behind the loan, not just a score on a screen. Every term we offer is written in language a borrower can read once and understand.

  • 01

    Direct underwriting

    Your file is reviewed by people who can explain every line of it back to you.

  • 02

    Fixed, disclosed terms

    Rate, schedule, and fees are set before you sign — not adjusted after the fact.

  • 03

    Wyoming-based servicing

    Payments and questions are handled from the same Gillette office, not an outsourced center.

Lending & Industries

Loans built around how you actually earn.

We structure financing differently depending on the industry — a ranch's cash flow doesn't look like a contractor's, and it shouldn't be underwritten like one.

Personal Loans

Debt consolidation, home repairs, or unplanned expenses, funded against a fixed schedule you set from day one.

Small Business Loans

Working capital and expansion financing for Wyoming shops, contractors, and service businesses.

Agricultural Financing

Equipment, livestock, and operating loans structured around planting and calving seasons, not a calendar quarter.

Equipment Financing

Machinery and vehicle loans secured by the asset itself, with terms matched to its working life.

Real Estate Bridge Loans

Short-term financing to close on a property or project while permanent funding is arranged.

Debt Consolidation

Roll multiple balances into one fixed-rate note with a single monthly payment and a clear payoff date.

Questions

Before you call, most of this is answered here.

Most of our loans fund a specific, stated purpose — equipment, debt payoff, working capital, or a real estate bridge — which we agree on with you before the note is written.

We look at income or business cash flow, existing obligations, and any collateral offered, then propose a principal and term that fits comfortably against your finances — not the maximum you could technically qualify for.

Yes. Every rate, fee, and repayment schedule is disclosed in writing before you sign, and none of it changes over the term unless you request a modification yourself.

Our office is in Gillette, Wyoming, and Wyoming-based borrowers are our focus, though we do review select out-of-state applications on a case-by-case basis.

Send us a message through the contact form below with the loan type and amount you're considering, and a member of our underwriting team will follow up with next steps.

Get in Touch

Tell us what you're financing.

Reach out with your loan type, amount, and timeline, and our underwriting team will follow up directly.