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USDA Business Loans in San Francisco, CA

Find lenders offering usda business loans in the San Francisco, including Oakland, Berkeley, San Mateo, and surrounding areas. Compare rates, terms, and programs from 6 lenders.

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Lenders
6
Typical Rate
Fixed or variable, negotiated with lender
Down Payment
10% existing business, 20% new business
Term
7-30 years by use of proceeds
Closing Time
60-120 days

Which USDA lenders serve San Francisco?

6 lenders offering usda business loans in the San Francisco, CA area.

FFB Bank

Local SBA

FRESNO, 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.

22 SBA loans
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Plumas Bank

Local SBA

QUINCY, 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.

15 SBA loans
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Live Oak Banking Company

SBA

WILMINGTON, 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.

628 SBA loans
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Celtic Bank Corporation

SBA

SALT 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.

442 SBA loans
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Stone Bank

SBA

MOUNTAIN 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.

72 SBA loans
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Banner Bank

SBA

WALLA 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.

45 SBA loans
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What does the San Francisco commercial real estate market look like?

San Francisco's CRE market has undergone significant recalibration as remote work reduced traditional office demand, particularly in the Financial District and SoMa neighborhoods that housed major tech tenants. The city's office vacancy rate climbed to historic highs in 2024-2025, creating opportunities for value-add investors and adaptive reuse conversions to residential and life sciences uses. The Mission Bay submarket, anchored by the UCSF Medical Center campus and the Chase Center, has shown more resilience with biotech and healthcare tenancy. South of Market and the Dogpatch neighborhood continue to attract AI and machine learning startups, and the city remains one of the highest-rent markets in the country despite the correction.

Key Economic Drivers

  • ●AI and machine learning companies (OpenAI, Anthropic, and venture-backed startups)
  • ●UCSF Medical Center campus and Mission Bay biotech cluster
  • ●Salesforce, major tech headquarters, and financial services firms
  • ●Tourism and convention activity centered on Moscone Center

Market Insight

San Francisco adopted a transfer tax incentive for office-to-residential conversions in the downtown core, waiving the city's 5.5% transfer tax for qualifying projects to accelerate repurposing of vacant office towers in the Financial District.

How do usda business loans work in San Francisco, California?

USDA Business & Industry (B&I) loans are lender-made, government-guaranteed loans for businesses in eligible rural areas. They can cover real estate, equipment, business acquisition, and working capital, with terms tied to use of proceeds and underwriting that looks a lot like a bank loan plus USDA eligibility. In the San Francisco metro area, borrowers can access 6 lenders offering USDA financing, including Oakland, Berkeley, San Mateo, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from Fixed or variable, negotiated with lender.

Who should consider usda business loans?

  • Rural owner-user businesses
  • Food processing and manufacturing
  • Business acquisition in eligible rural areas
  • Equipment, real estate, and working capital needs

What are the key requirements?

  • Project generally in an eligible rural area outside cities or towns above 50,000
  • Tangible balance sheet equity typically at least 10% existing / 20% new business
  • Good credit history and repayment ability
  • Collateral and lender support strong enough for a USDA guarantee

Advantages

  • ✓FY2026 guarantee up to 85% on loans under $5M
  • ✓Long terms, up to 30 years on real estate
  • ✓Can cover real estate, equipment, acquisition, and working capital
  • ✓Rates are negotiated with the lender, not set by USDA

Considerations

  • •Project must be in an eligible rural area
  • •No lines of credit or rental housing
  • •Full lender underwriting plus USDA review
  • •Smaller lender pool than SBA

USDA Business Loans in San Francisco FAQ

How many USDA lenders serve San Francisco, CA? ▼
There are 6 lenders offering usda business loans in the San Francisco metro area. Of these, 2 are headquartered in California, including FFB Bank, Plumas Bank. Loan amounts typically range from 50K to 10M with rates from Fixed or variable, negotiated with lender.
What are USDA loan rates in San Francisco? ▼
USDA loan rates in San Francisco typically range from Fixed or variable, negotiated with lender, though exact rates depend on factors like your credit score, the property's cash flow, and loan-to-value ratio. Down payments usually run 10% existing business, 20% new business, and closing can take 60-120 days. Compare multiple San Francisco-area lenders to find the best terms for your deal.
What qualifies as a rural area for USDA loans? ▼
USDA generally requires the project to be outside cities or towns above 50,000 population and outside adjacent urbanized areas. The safest move is to confirm the project address on the USDA eligibility map before you spend money on third-party reports.
Can USDA Business & Industry loans be used for working capital? ▼
Yes, in many cases. USDA says B&I proceeds can cover working capital, but term limits are shorter than for real estate or equipment, and the lender still has to show the deal cash flows.
What is the USDA guarantee percentage in 2026? ▼
USDA's FY2026 notice sets the standard B&I guarantee at 85% for loans under $5 million and 80% for loans from $5 million to $25 million, with a 90% tier for qualifying isolated rural Alaska projects. Separate USDA guidance says most single-borrower requests should still think in terms of a normal $10 million limit unless an exception is approved.
How long can a USDA business loan term run? ▼
The term depends on the use of proceeds. USDA training guidance allows up to 30 years for real estate, up to 15 years or useful life for machinery and equipment, and up to 7 years for working capital.

Where else can I find usda business loans in California?

Los Angeles Riverside San Diego Orange County Sacramento San Jose Fresno Bakersfield Oakland

Other loan types in San Francisco

🏛️

SBA 7(a) Loans in San Francisco

Rates from Prime + 1.5% to 3.75%. 10-20% down.

 🏢

SBA 504 Loans in San Francisco

Rates from Below market (CDC portion ~5-6%). 10% down.

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Commercial Mortgage in San Francisco

Rates from 6% - 8%. 20-30% down.

Related resources

USDA Business Loans in California

Browse all USDA lenders serving CA.

USDA Business Loans Overview

Rates, requirements, and how USDA loans work.

All California Lenders

Browse all commercial lenders serving CA.

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