USDA Business Loans in Wisconsin
Browse 3 lenders offering usda business loans in Wisconsin. Compare rates, requirements, and loan programs — then connect directly.
USDA Lenders in Wisconsin
3 lenders offering usda business loans to borrowers in Wisconsin.
Live Oak Banking Company
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.
Celtic Bank Corporation
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.
Stone Bank
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.
About USDA Business Loans in Wisconsin
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 Wisconsin, 3 lenders currently offer USDA financing with loan amounts from $50K to $25M and rates typically ranging from Variable or fixed, competitive.
Wisconsin Market Overview
Wisconsin maintains a strong manufacturing base, with the Milwaukee metro serving as a hub for industrial equipment, healthcare, and financial services. The state's food processing and dairy industries support significant industrial CRE demand.
Wisconsin's judicial foreclosure process includes a one-year right of redemption period for commercial properties, one of the longest in the nation, which significantly extends the distressed asset resolution timeline for CRE lenders. The state's Tax Incremental Financing (TIF) program is extensively used, with over 1,000 active TIF districts providing property tax increment capture to support CRE development infrastructure and improvements. Milwaukee's Opportunity Zone neighborhoods and the city's Brew City Catalyst program have stimulated commercial investment in transitional areas, while the state's manufacturing heritage provides a pipeline of adaptive reuse opportunities for historic industrial buildings.
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
Pros and Cons
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 FAQ
What qualifies as a 'rural area' for USDA loans? ▼
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