USDA Business Loans in Gulfport, MS
Find lenders offering usda business loans in the Gulfport, including Biloxi, Ocean Springs, and surrounding areas. Compare rates, terms, and programs from 3 lenders.
Which USDA lenders serve Gulfport?
3 lenders offering usda business loans in the Gulfport, MS area.
Live Oak Banking Company
SBAWILMINGTON, 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
SBASALT 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
SBAMOUNTAIN 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.
What does the Gulfport commercial real estate market look like?
Gulfport, together with neighboring Biloxi, anchors the Mississippi Gulf Coast's commercial real estate market, which is driven by casino gaming, military operations, and port activity. The Harrison County coastline has been substantially rebuilt since Hurricane Katrina, with modern commercial inventory along U.S. Highway 90 and the I-10 corridor replacing older stock. The Port of Gulfport is undergoing a $570 million restoration and expansion project that will significantly boost the region's industrial and logistics capacity. Keesler Air Force Base in Biloxi and the Naval Construction Battalion Center in Gulfport provide stable federal employment and drive hospitality, retail, and multifamily demand across the coast.
Key Economic Drivers
- ●Casino gaming industry along the Biloxi-Gulfport coast including MGM, Beau Rivage, and Hard Rock
- ●Port of Gulfport $570 million expansion and modernization project
- ●Keesler Air Force Base and Naval Construction Battalion Center military installations
- ●Huntington Ingalls Industries Pascagoula shipyard and defense manufacturing supply chain
Market Insight
The Mississippi Gulf Coast's casino industry generates over $1.5 billion in annual gaming revenue, creating consistent demand for hospitality, retail, and entertainment-oriented CRE — with waterfront commercial properties along U.S. 90 benefiting from continuous reinvestment by gaming operators.
How do usda business loans work in Gulfport, Mississippi?
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 Gulfport metro area, borrowers can access 3 lenders offering USDA financing, including Biloxi, Ocean Springs, 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 Gulfport FAQ
How many USDA lenders serve Gulfport, MS? ▼
What are USDA loan rates in Gulfport? ▼
What qualifies as a rural area for USDA loans? ▼
Can USDA Business & Industry loans be used for working capital? ▼
What is the USDA guarantee percentage in 2026? ▼
How long can a USDA business loan term run? ▼
Where else can I find usda business loans in Mississippi?
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