Food & Beverage

Where safety and consistency create opportunity

The food and beverage sector is a cornerstone of the American economy. As a vital contributor to employment and GDP, the industry is poised for continued expansion, fueled by rise of direct-to-consumer models, supply chain optimization, and a robust agricultural base.

USDA Business and Industry (B&I) Loan Guarantees are vital to the food and beverage sector, offering a unique opportunity to acquire, build and grow at scale. With up to $25 worth of loan guarantees per applicant, operators small and large rapidly achieve efficiencies and compete with a long-term financial advantage.

Highlights

  • Typically 100% of new project costs, including land, hand & soft costs, and working capital are eligible

  • One loan to cover construction through to permanent financing, with up to 24 month interest only

  • No restrictive covenants, no call provisions, long-term amortizations

  • Acquisitions of existing facilities are eligible uses

  • Eligible for B&I ($25M per applicant)

Loan Guarantee Uses for Food & Beverage

Facility Construction and Modernization

  • New Facilities: Financing for the construction of processing plants, bottling facilities, storage warehouses, and distribution centers.

  • Facility Upgrades: Modernizing existing facilities to improve efficiency, enhance food safety standards, and expand capacity.

  • Cold Storage: Building or upgrading refrigeration and freezing facilities to meet the needs of perishable goods.

Equipment Purchase

  • Processing Equipment: Acquiring machinery for food and beverage production, including automated systems for sorting, mixing, and packaging.

  • Sustainable Technology: Investing in energy-efficient or waste-reducing technologies, such as water recycling systems and anaerobic digesters.

  • Quality Control Systems: Purchasing laboratory and monitoring equipment to ensure compliance with health and safety standards.

Debt Refinancing

  • Debt Consolidation: Refinancing existing high-interest loans to improve financial stability

Community and Local Supply Chain Development

  • Sourcing from Local Producers: Supporting partnerships with local farmers and suppliers to strengthen regional supply chains.

  • Job Creation: Financing projects that generate employment opportunities in rural areas

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