Welcome to ASTRAL X ASSOCIATES

Trusted Banking Solutions for Businesses & Individuals

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Welcome to ASTRAL X ASSOCIATES

Commercial Lending Tailored to Your Needs

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About ASTRAL X ASSOCIATES

Your Partner in Financial Growth & Stability

Headquartered in Missoula, ASTRAL X ASSOCIATES delivers innovative banking solutions for businesses and individuals. Our expertise spans commercial lending, treasury management, and personalized financial strategies to help clients achieve their goals with confidence.

Founded to redefine regional banking, ASTRAL X ASSOCIATES combines local decision-making with global financial expertise. We prioritize relationships over transactions, offering tailored solutions for Montana’s evolving economy.

Our team brings decades of experience in commercial banking, risk management, and financial advisory services.

To empower businesses and individuals with flexible, transparent banking solutions that drive growth. We commit to ethical practices, community reinvestment, and financial education.

Every client receives the attention of our senior leadership team.

To be the premier banking partner in the Northern Rockies, recognized for innovation, reliability, and exceptional client service. We aim to fuel economic development while maintaining personalized relationships.

Trust. Integrity. Growth.

FDIC Insured

Deposits protected up to $250,000 per account

Expert Bankers

Certified professionals with 15+ years’ experience

24/7 Banking

Digital access with live support when you need it

1,200+

Business Clients

$450M+

Loans Funded

25+

Years in Banking

15+

Industry Awards

Why Choose Us

The Banking Advantage You Deserve

At ASTRAL X ASSOCIATES, we merge local decision-making with sophisticated financial tools. Our customized solutions help businesses optimize cash flow, secure growth capital, and manage risk—all with the personal touch of a community bank.

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Fast Approvals

Streamlined underwriting for commercial loans with competitive rates and flexible terms.

Financial Education

Free workshops on credit management, business financing, and wealth preservation.

Secure Banking

Enterprise-grade encryption and fraud monitoring to protect your accounts 24/7.

Our Services

Comprehensive Banking Solutions

Business Banking Solutions

Tailored deposit accounts, treasury services, and credit facilities designed to support your business’s cash flow and growth objectives.

Operating Lines of Credit

Equipment Financing

Merchant Services

Residential & Commercial Mortgages

Competitive rates and flexible terms for home purchases, refinancing, and investment properties—with local underwriting decisions.

Fixed & Adjustable Rates

Jumbo Loans

Construction Financing

Private Banking Services

Personalized wealth strategies including trust services, retirement planning, and investment management for high-net-worth clients.

Custom Portfolio Management

Estate Planning

Tax Optimization

Business Credit Solutions

Build your business credit with cards, lines of credit, and SBA loan programs designed to fuel growth and improve cash management.

SBA 7(a) & 504 Loans

Corporate Credit Cards

Invoice Financing

Our Team

Meet Our Banking Experts

James Astral

Founder & CEO

Liam Williamson

Chief Lending Officer

Michael Chen

Senior Wealth Manager

Client Testimonials

What Our Clients Say About Our Banking Services

ASTRAL X secured our business line of credit within 48 hours when other banks dragged their feet. Their responsiveness and local decision-making are game-changers for Montana businesses.

Jennifer Daniels

Construction Company Owner

As a physician, I needed complex estate planning. Their private banking team structured solutions that reduced my tax burden by 32% while protecting my assets—all with transparent fees.

Dr. David Harris

Surgeon

Their SBA loan experts guided me through every step of acquiring my first restaurant. Two years later, they’re still my go-to for financial advice and growth capital.

Maria Gonzalez

Restaurant Owner