USDA Business Loans in Austin, TX
Find lenders offering usda business loans in the Austin, including Round Rock, Cedar Park, Georgetown, and surrounding areas. Compare rates, terms, and programs from 4 lenders.
USDA Lenders Serving Austin
4 lenders offering usda business loans in the Austin, 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.
Austin Commercial Real Estate Market
Austin's CRE market has experienced extraordinary growth driven by a technology sector boom that has attracted Tesla's Gigafactory, Samsung's semiconductor expansion, Apple's $1 billion campus in Northwest Austin, and Google and Meta offices downtown. The Domain and Domain Northside in North Austin have become the metro's second downtown, with millions of square feet of office, retail, and multifamily space catering to tech-sector tenants. South Congress (SoCo) and East Austin have been transformed from gritty residential neighborhoods into high-demand creative office, retail, and hospitality submarkets. The southeastern corridor toward Del Valle, anchored by Tesla's Giga Texas and Austin-Bergstrom International Airport, represents the newest industrial and manufacturing growth frontier, while the Round Rock-Georgetown corridor along I-35 is absorbing massive suburban commercial development.
Key Economic Drivers
- ●Tesla Giga Texas manufacturing facility in southeastern Travis County producing Cybertrucks and Model Ys
- ●Samsung Austin Semiconductor's expanded chip fabrication facility in Taylor, Texas
- ●Apple's $1 billion Northwest Austin campus and the Domain tech office corridor
- ●University of Texas at Austin, Dell Technologies, and the broader tech ecosystem along the MoPac and I-35 corridors
Market Insight
Austin's office market experienced rapid rent escalation and then significant adjustment as tech sector layoffs and return-to-office uncertainty increased sublease availability — borrowers should pay close attention to sublet overhang, particularly in the CBD and Domain submarkets.
USDA Business Loans in Austin, Texas
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. In the Austin metro area, borrowers can access 4 lenders offering USDA financing, including Round Rock, Cedar Park, Georgetown, and surrounding areas. Loan amounts typically range from $50K to $25M with rates from Variable or fixed, competitive.
Who Should Consider USDA Business Loans?
- Rural businesses
- Agricultural operations
- Rural real estate
- Businesses in towns under 50,000 population
Key Requirements
- Business in area with population <50,000
- For-profit or nonprofit
- Unable to get credit elsewhere
- Sufficient cash flow
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 Business Loans in Other Texas Cities
Find USDA Lenders in Austin
Get matched with lenders offering usda business loans in the Austin, TX area. Free for borrowers.
Get Matched — Free →