USDA B&I and Agricultural Loans

USDA and agricultural loans finance farms, ranches, timberland and rural businesses, from USDA B&I and FSA guaranteed loans to non-USDA farm, ranch and timber land loans. Commercial Finance Partners leverages government-backed programs to help rural businesses secure capital for land, equipment, and ongoing growth.

Customer Testimonials

The financing solutions provided by Commercial Finance Partners were exactly what I needed. Their team was professional and helped me every step of the way

Matthew Rodriguez Business Owner

I highly recommend Commercial Finance Partners for any business financing needs. Their team is dedicated and knowledgeable, and they truly care about their clients’ success.

Karen Gonzalez CEO

The financing process with Commercial Finance Partners was smooth and efficient. Their team was knowledgeable and helped me find the right solution for my business. I highly recommend them.

Charles Jackson Business Owner

Commercial Finance Partners USDA & Agricultural Loans

USDA & Agricultural Loans support the backbone of rural enterprise, offering uniquely favorable terms and lowered barriers to entry. Whether you’re expanding a farm, upgrading essential equipment, or diversifying production lines, government-backed backing opens doors that might remain closed under conventional lending. With the potential for reduced interest rates or equity requirements, these programs encourage sustainable agriculture while fortifying local job markets. By focusing on modernization—be it irrigation improvements, livestock facility expansion, or eco-friendly practices—agricultural ventures can stay competitive in an evolving industry. Ultimately, these loans merge financial stability with broader community and environmental benefits.

Commercial Finance Partners navigates the USDA application maze, ensuring your project meets eligibility standards around location, economic impact, and operational viability. We assess your immediate funding needs—like buying farmland or enhancing production lines—and integrate them into a plan that resonates with government guidelines. By clarifying timelines, interest structures, and potential incentives, we simplify a process that can otherwise be intricate. Our support doesn’t end at closing; we monitor your progress, offering insights on additional financing or program modifications as your rural business evolves. Combining hands-on expertise and a mission to strengthen agricultural communities, we deliver solutions that foster long-term vitality.

Why Choose Commercial Finance Partners:

Rural Proficiency:

We understand farming cycles, commodity markets, and region-specific challenges.

Program Clarity:

We decode government criteria to smooth out the loan journey.

Progress Alignment:

We match repayment terms to seasonal yields or capacity expansions.

Community Mindset:

We value local economic uplift and collaborate on broader development goals.

Lifetime Guidance:

We remain a resource as your agricultural needs grow or shift.

USDA & Agricultural Loan Services & Products

USDA B&I Loans

Advance Rural Innovation:

FSA Loans

Finance Family Farms:

Agricultural Bridge Loans

Close the Timing Gap:

Farm, Ranch & Timber Land Loans

Buy or Expand Rural Land:

Rural Infrastructure Loans

Finance Towers, Solar & Wind:

How to Leverage USDA & Agricultural Loans

Start by outlining distinct expansion or modernization targets, like acquiring additional land or adopting advanced technology for improved yields. Highlight how these initiatives benefit both your business and the surrounding area—USDA programs often emphasize community impact. Compile operational data, including yield histories and financial statements, to solidify your application’s strength. The more you can demonstrate viability and local gains, the smoother the approval path.

Once approved, roll out improvements methodically, matching loan drawdowns to planting schedules or project phases. Maintain regular updates about harvest outcomes, equipment performance, and any shifts in local demand. If weather fluctuations or market dips threaten your revenue stream, reach out for a recalibration of terms. This proactive posture ensures you maximize the loan’s advantage while minimizing strain on your cash flow. By integrating USDA financing with strategic oversight, you can adapt gracefully to the inherent unpredictability of agriculture.

Key Benefits of Leveraging USDA & Agricultural Loans:

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They often feature favorable interest rates that support sustained profitability.

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Longer repayment options align with the slower returns common in farming.

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Accessible capital lets you upgrade critical infrastructure or expand acreage responsibly.

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Community-focused lending helps you contribute to local economies while growing your enterprise.

Which USDA or Agricultural Loan Fits Your Operation?

Commercial Finance Partners offers these USDA and agricultural loan programs:

USDA B&I loans: USDA Rural Development guarantees loans to rural businesses, with up to $25 million in total B&I guaranteed loans per borrower, for land, buildings, machinery and equipment, working capital and business acquisitions that create or save jobs. For loans obligated in fiscal year 2026 (October 1, 2025 – September 30, 2026), the guarantee is 85% for loans under $5 million and 80% for loans of $5 million to $25 million.
FSA loans: the Farm Service Agency guarantees farm loans from USDA-approved commercial lenders of up to $2,558,000 to help family farmers and ranchers buy farmland or finance agricultural production.
Agricultural bridge loans: short-term, interest-only bridge programs with 12 to 36 month terms for real estate acquisition, business acquisition, business expansion, equipment purchases and debt refinancing.
Farm, ranch and timber land loans: non-USDA loan programs of $250,000 to $10,000,000 with 30-year terms and fixed and variable rates available.
Rural infrastructure loans: financing for solar farms, wind farms, cell towers and broadcast towers in rural areas.

Sources: 7 CFR part 5001 (USDA OneRD guaranteed loans); Federal Register, OneRD FY2026 guarantee percentages; USDA Farm Service Agency, Guaranteed Farm Loans.

USDA and Agricultural Loan FAQs

What are USDA agricultural loans?

The Farm Service Agency guarantees loans from USDA-approved commercial lenders to help family farmers and ranchers buy farmland or finance agricultural production. USDA Rural Development’s Business & Industry (B&I) program guarantees loans that improve, develop or finance business, industry and employment in rural communities.

What is the difference between USDA B&I and FSA loans?

FSA guaranteed loans serve family farmers and ranchers: the applicant must be the owner-operator or tenant-operator of a family farm after the loan is closed, and FSA currently guarantees loans of up to $2,558,000. USDA B&I loans serve businesses such as manufacturing, wholesaling, retailing and services in rural communities, with up to $25 million in B&I guaranteed loans per borrower. Agricultural production qualifies for B&I only when it is not eligible for FSA farm loan programs and is part of an integrated business that also processes agricultural products.

Does my business have to be in a rural area?

For a USDA B&I loan, the project must generally be located in a rural area: any area not in a city or town of more than 50,000 inhabitants and not in the urbanized area contiguous and adjacent to such a city or town. Limited exceptions apply to certain cooperative and local foods projects.

Can agricultural loans be used to buy land?

Yes. FSA Farm Ownership loans may be used to purchase farmland, with terms that cannot exceed 40 years. Commercial Finance Partners also offers non-USDA farm, ranch and timber land loans of $250,000 to $10,000,000 with a 30-year term, and short-term agricultural bridge programs that can be used for real estate acquisition.