USDA Business Loans in Amarillo, TX
Find lenders offering usda business loans in the Amarillo, including Canyon, Hereford, and surrounding areas. Compare rates, terms, and programs from 4 lenders.
Which USDA lenders serve Amarillo?
4 lenders offering usda business loans in the Amarillo, TX 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.
FFB Bank
SBAFRESNO, 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.
What does the Amarillo commercial real estate market look like?
Amarillo's CRE market serves as the commercial hub of the Texas Panhandle, with an economy rooted in agriculture, meat processing, energy, and the Pantex nuclear weapons assembly facility. Tyson Foods, JBS, and Caviness Beef Packers operate major feedlot and processing operations in the area, supporting industrial and cold storage demand. The I-40 corridor is the primary commercial artery, with retail and hospitality properties concentrated along Soncy Road and the Coulter Street corridors. The healthcare sector, led by Baptist St. Anthony's and Northwest Texas Healthcare System, has driven medical office development along the SW 45th Avenue corridor. Amarillo's location on the I-40 transcontinental highway route provides logistics advantages for distribution tenants serving the Panhandle and broader Southern Great Plains region.
Key Economic Drivers
- ●Pantex Plant, the nation's primary nuclear weapons assembly and disassembly facility operated by CNS
- ●Beef processing and feedlot industry with Tyson, JBS, and Caviness operating major facilities
- ●Bell Helicopter Amarillo Assembly Center (now Textron Aviation) and aerospace maintenance operations
- ●I-40 transcontinental corridor logistics supporting regional distribution facilities
Market Insight
The Pantex nuclear weapons facility, operated by Consolidated Nuclear Security, is the single largest employer in the Amarillo metro and a federally funded anchor that provides recession-resistant demand for office, industrial, and support services in the surrounding corridor.
How do usda business loans work in Amarillo, Texas?
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 Amarillo metro area, borrowers can access 4 lenders offering USDA financing, including Canyon, Hereford, 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 Amarillo FAQ
How many USDA lenders serve Amarillo, TX? ▼
What are USDA loan rates in Amarillo? ▼
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 Texas?
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