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USDA financing helps rural businesses succeed.

USDA loans can help to increase cash flow for businesses through:

  • Higher loan-to-value terms, without balloon payments
  • Longer repayment terms than conventional loans
  • Loans between $1 million and $10 million
  • Terms of up to 30 years (for real estate) and 15 years (for equipment loans)1
  • Loans that can be used to refinance, assist with growth, acquisition, start-up, construction and working capital needs
  • Security of long-term financing commitments that aren’t affected by fluctuations in the business cycle

Get Started Now

The Business and Industry CARES Act Program

We know how challenging and uncertain this time has been, especially for rural businesses and agricultural producers. The USDA is now offering a new program, The Business & Industry (B&I) CARES Act Program. As a national leader in USDA lending, Byline Bank is an eligible lender working with the USDA to provide financing to rural businesses as part of this program.

The Business & Industry CARES Act Program offers loan guarantees to rural businesses and agricultural producers that are not eligible for USDA Farm Service Agency loans. This program is designed to provide working capital to help alleviate the effects of the coronavirus pandemic.

  • Working capital only
  • Must be in business as of February 15, 2020
  • Loan term up to 10 years
  • 90% guarantee
  • 10% tangible net worth required
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Contact our USDA specialists to get started.

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Eric Manke

(262) 860-2090Senior Vice-PresidentUSDA Lending
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Jeff Salesman

(317) 983-3364Senior Vice-PresidentUSDA Lending

See which loan option is right for your small business.

SBA 7(a) Loans


Helps small businesses grow by offering longer, more flexible terms and lower-equity contributions.

  • Up to $5 million in loans
  • 25-year terms for real estate
  • 15-year terms for non-real estate debt

SBA 504 Loan


Provides approved small businesses with long-term, fixed-rate financing to acquire fixed assets for expansion or modernization.

  • 90% financing with longer loan amortizations
  • Fixed-rate interest rates for loans between $1.5 million and $10 million

SBA CAPLines


Designed to help small businesses manage cyclical cash flow needs through revolving lines of credit.

  • Up to $5 million in loans, for 12 months to 10 years
  • Up to 80% of eligible accounts receivable
  • Up to 50% of eligible inventory

USDA Loans


Designed to help rural communities succeed through business financing for growth, stability and employment opportunities.

  • Loans between $1 million and $10 million
  • 30 years for real estate and 15 years for equipment