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USDA B&I Loans

We are proud to offer farmers and ranchers, and businesses in rural areas the agricultural financing they need to work toward their business goals, by providing a variety of loan products, including long term fixed rates, low interest rates, and lines of credit..

The USDA Business & Industry (B&I) Loan Program is a government-backed loan program designed to help credit-worthy rural businesses obtain needed capital to grow and create jobs in their local communities. The program bolsters the availability of private credit by guaranteeing loans for businesses in rural areas across the US.

USDA Business Loans help to create jobs and stimulate rural economies by providing financial backing for rural businesses and properties.

USDA B&I Loan Program Details:

  • Loan Amounts – $500K to $10M
  • LTV – Up to 80%
  • Rates – Starting at 5%
  • 10 to 25-year terms
  • Must be located within the USDA eligible area
  • US Citizens Only
  • The Funds must remain in the US

Common Uses of USDA B&I Loans:

  • Equipment Purchase & Refinance
  • Acquire or refinance owner-occupied real estate
  • Finance property improvements
  • Partner Buyout
  • Business Acquisition
  • Consolidate High Interest Debt

Qualifying Entities:

  • For-profit Businesses
  • Nonprofits
  • Cooperatives
  • Federally-Recognized Tribes
  • Individuals


Why should you work with commercial finance partners?

  • Leverage Existing Assets
  • Increase Working Capital
  • Creative Deal Structure
  • Alternative to Equity
  • Growth Focused
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