USDA B&I Loans
🌾 Rural Areas
💰 Up to $25M
📊 Great Rates
What is a USDA B&I Loan?
The USDA Business & Industry (B&I) loan program provides government-guaranteed financing for businesses in rural areas. With loan amounts up to $25 million and terms up to 30 years, B&I loans often offer better rates than SBA programs — if your location qualifies.
The surprise? “Rural” under USDA guidelines includes many suburban areas and smaller cities. Communities with populations under 50,000 outside metro areas often qualify. We can quickly check if your location is eligible.
🗺️ Does Your Location Qualify?
Many business owners are surprised to learn their location qualifies as "rural" under USDA guidelines. We can check your eligibility in minutes — it's worth exploring given the potential rate savings.
Best Uses for USDA B&I
🏢 Commercial Real Estate
Purchase or construct facilities in qualifying rural areas.
⚙️ Equipment & Machinery
Finance heavy equipment, manufacturing lines, and vehicles.
💵 Working Capital
Fund operations, inventory, and business expansion.
🔄 Debt Refinancing
Consolidate existing debt into better terms.
Eligibility Requirements
- Location: Business must be in a rural area (population under 50,000, not in MSA)
- For-Profit: Must be a for-profit business entity
- Creditworthiness: Demonstrated ability to repay from cash flow
- Collateral: Adequate collateral required
- Equity: Typically 10-20% equity injection
- Job Impact: Priority given to projects creating/saving jobs
USDA B&I vs. SBA
USDA B&I at a Glance
- Loan Amount
- Up to $25M
- Down Payment
- 10-20%
- RE Term
- Up to 30 years
- Equipment Term
- Useful life or 15 yrs
- Working Cap Term
- Up to 7 years
- Timeline
- 60-120 days