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USDA Business Loans
Government-backed financing for rural and agricultural businesses
USDA Business & Industry (B&I) loans provide government-guaranteed financing for rural businesses. Similar to SBA loans but for rural areas, they offer competitive terms for business acquisition, real estate, equipment, and working capital in communities with populations under 50,000.
Find USDA Lenders →Loan Range
$50K – $25M
Typical Rate
Variable or fixed, competitive
Down Payment
10-20%
Term
7-30 years
Closing Time
60-120 days
🎯 Best For
- • Rural businesses
- • Agricultural operations
- • Rural real estate
- • Businesses in towns under 50,000 population
✅ Advantages
- ✓ Up to 80% government guarantee
- ✓ Long terms available
- ✓ Competitive rates
- ✓ Flexible use of funds
⚠️ Considerations
- • Must be in eligible rural area
- • Lengthy approval process
- • Extensive documentation
- • Limited lender availability
USDA Loan Requirements
- ✓ Business in area with population <50,000
- ✓ For-profit or nonprofit
- ✓ Unable to get credit elsewhere
- ✓ Sufficient cash flow
USDA Business Loans FAQ
What qualifies as a 'rural area' for USDA loans? ▼
Generally, areas with a population of 50,000 or less. You can check eligibility at the USDA's online mapping tool.
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