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 →🎯 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
Top USDA Lenders
6 lenders offer usda business loans nationwide.
Live Oak Banking Company
SBA VerifiedWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
Celtic Bank Corporation
SBA VerifiedSALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Stone Bank
SBA VerifiedMOUNTAIN VIEW, AR
Arkansas-based bank specializing in government-guaranteed lending including SBA, FSA, and USDA business loans. Offers nationwide lending with expertise in SBA 7(a) financing for small business acquisitions and real estate.
Banner Bank
SBA VerifiedWALLA WALLA, WA
Pacific Northwest regional bank headquartered in Walla Walla, Washington. Offers SBA 7(a) loans, commercial real estate, agricultural lending, and business banking across Washington, Oregon, Idaho, and California.
FFB Bank
SBA VerifiedFRESNO, CA
Fresno, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves California's Central Valley and beyond.
Plumas Bank
SBA VerifiedQUINCY, CA
Quincy, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves businesses in rural Northern California and Nevada.
USDA Business Loans FAQ
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