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USDA Business Loans in Burlington, VT

Find lenders offering usda business loans in the Burlington, including South Burlington, Essex, Winooski, and surrounding areas. Compare rates, terms, and programs from 2 lenders.

Find Burlington USDA Lenders →
Lenders
2
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 Burlington?

2 lenders offering usda business loans in the Burlington, VT area.

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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What does the Burlington commercial real estate market look like?

Burlington is Vermont's largest city and its primary commercial hub, with a compact downtown centered on Church Street Marketplace and a waterfront district along Lake Champlain that supports tourism, hospitality, and mixed-use development. The South Burlington-Williston corridor along Shelburne Road and I-89 serves as the metro's suburban retail and office spine, anchored by the University Mall and corporate campuses for employers like Dealer.com (now Cox Automotive) and GlobalFoundries' semiconductor fabrication facility in nearby Essex Junction. The University of Vermont and UVM Medical Center together form the region's largest employer and drive steady demand for medical office, student housing, and research-related space. Limited developable land and Vermont's Act 250 environmental review process constrain new supply, keeping vacancy rates relatively low across asset classes.

Key Economic Drivers

  • ●University of Vermont and UVM Medical Center as the metro's largest employer
  • ●GlobalFoundries semiconductor fabrication plant in Essex Junction
  • ●Church Street Marketplace and Lake Champlain waterfront tourism economy
  • ●Vermont's growing craft food and beverage industry including Ben & Jerry's and Lake Champlain Chocolates

Market Insight

Vermont's Act 250 land use law subjects most commercial developments to rigorous environmental review, which constrains new supply and tends to support higher occupancy and rental rates for existing commercial properties in the Burlington metro.

How do usda business loans work in Burlington, Vermont?

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 Burlington metro area, borrowers can access 2 lenders offering USDA financing, including South Burlington, Essex, Winooski, 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 Burlington FAQ

How many USDA lenders serve Burlington, VT? ▼
There are 2 lenders offering usda business loans in the Burlington metro area. Loan amounts typically range from 50K to 10M with rates from Fixed or variable, negotiated with lender.
What are USDA loan rates in Burlington? ▼
USDA loan rates in Burlington 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 Burlington-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.

Other loan types in Burlington

🏛️

SBA 7(a) Loans in Burlington

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

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SBA 504 Loans in Burlington

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

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Commercial Mortgage in Burlington

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

Related resources

USDA Business Loans in Vermont

Browse all USDA lenders serving VT.

USDA Business Loans Overview

Rates, requirements, and how USDA loans work.

All Vermont Lenders

Browse all commercial lenders serving VT.

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