USDA Business Loans in Madison, WI
Find lenders offering usda business loans in the Madison, including Sun Prairie, Middleton, Fitchburg, and surrounding areas. Compare rates, terms, and programs from 3 lenders.
USDA Lenders Serving Madison
3 lenders offering usda business loans in the Madison, WI 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.
Madison Commercial Real Estate Market
Madison consistently ranks among the strongest small-metro commercial real estate markets in the Midwest, driven by the University of Wisconsin-Madison, a robust state government employment base, and a fast-growing health and biotech sector anchored by Epic Systems' Verona campus. The Capitol Square and State Street corridor form the downtown office and retail core, while the University Research Park on the west side houses biotech, health IT, and engineering firms in a campus-style setting. The East Washington Avenue corridor has emerged as Madison's primary growth axis for mixed-use and multifamily development, connecting downtown to the Sun Prairie submarket. Madison's unemployment rate has historically run well below the national average, supporting consistently tight vacancy rates across office, industrial, and multifamily asset classes.
Key Economic Drivers
- ●Epic Systems headquartered in Verona, employing 13,000+ workers and driving surrounding commercial growth
- ●University of Wisconsin-Madison and UW Health research and medical complex
- ●Wisconsin state government offices concentrated around Capitol Square
- ●University Research Park biotech and health IT cluster on Madison's west side
Market Insight
Epic Systems' continued campus expansion in Verona has made the southwest Madison submarket one of Wisconsin's tightest commercial and residential markets, with Dane County issuing more building permits per capita than any other county in the state.
USDA Business Loans in Madison, 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 the Madison metro area, borrowers can access 3 lenders offering USDA financing, including Sun Prairie, Middleton, Fitchburg, 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 Wisconsin Cities
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