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USDA Business & Industry
Government-backed financing to support rural businesses with competitive terms.
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Loan Amount
$25,000,000
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Time to Fund
60-90 days
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Term Length
7 to 40 years
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What are USDA B&I loans?
USDA Business & Industry loans help rural businesses access affordable capital for expansion, working capital, or equipment purchases. With government-backed guarantees, these loans offer competitive rates and longer repayment terms, making them an excellent choice for businesses operating in rural communities.
Eligibility requirements for USDA B&I loans
USDA Business & Industry (B&I) loans are designed for rural businesses looking to expand, acquire property, or increase working capital. To qualify, businesses must operate in an eligible rural area, demonstrate strong financials, and provide adequate collateral. These loans offer long-term, competitive financing with government-backed security.
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Minimum Requirements
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Credit Score
680
Monthly Revenue
$10K+
Time in Business
6+ Months
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Businesses in rural areas (population under 50,000) with strong financials and job creation potential are eligible.
Loan amounts range up to $25 million, with the USDA guaranteeing up to 80% of the loan.
These loans cover real estate, equipment, working capital, and business acquisitions in rural areas.
A business must operate in a town with a population under 50,000, as determined by USDA guidelines.
Loan terms range from 7 years for working capital to 30 years for real estate.
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