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A typical American small town

USDA financing helps rural and suburban businesses succeed.

If your business location has 50,000 or fewer residents, you could be eligible for a USDA Business & Industry (B&I) loan. Designed to promote economic and employment opportunities in rural America, USDA programs can help your business grow through:

  • Higher loan-to-value terms without balloon payments
  • Longer repayment terms than conventional loans
  • Financing from $1 million to $10 million
  • Terms of up to 30 years for real estate and 15 years for equipment
  • Loans that can be used for debt refinancing, business expansions, acquisitions, startup costs, construction and working capital needs
  • Long-term financing commitments that aren’t affected by fluctuations in the business cycle

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USDA B&I loans are right for a variety of businesses.

Did you know USDA B&I loans are not agricultural loans? Many industries and business types are eligible if their operations are rurally located, including:

  • Manufacturing
  • Retail
  • Entertainment
  • Hospitality
  • Construction
  • Commercial Real Estate
  • Startups
  • Nonprofits

Our experienced lending team has helped for-profits, nonprofits, family-held businesses and recent acquisitions access affordable financing through this program.