Grow your business with peace of mind
USDA loan programs provide outstanding access to capital, across many industries beyond agriculture.
New construction, renovations, acquisitions and refinance are eligible, for businesses, non-profits, co-ops, tribes, and public bodies.
Unlock projects that were not otherwise possible, create jobs, and strengthen your local economy.
Loan guarantees are a powerful incentive
The USDA funds and administers national programs that assume, or guarantee, portions of 3rd party debt (pay interest and principal) in the event of a default.
This increases borrower access to capital by assuring its lenders will not lose money.
Benefits
USDA programs guarantee portions of loans made by lenders, assuming debt obligation in the event of a borrower default.
Bolsters private credit structure, allowing private lenders to extend more leverage than they would typically.
Helps creditworthy businesses obtain financing on reasonable terms, with the intent of saving and growing jobs in rural America.
Competitive rates, no restrictive covenants, no call provisions, long-term amortizations, interest-only periods, and no balloon payments
Maximum Loan Amount: $25M, up to 75% of total project costs
Maximum Term: Up to 30 year term
Eligible Uses
Buy and develop land, working capital, buildings, infrastructure, purchase machinery, equipment, supplies.
Refinance debt to create cash flow and jobs.
Acquire businesses, start-ups, expansions.
A wide variety of (non-agricultural) uses are eligible, promoting rural economic development in general.
Maximum Loan Amount: $25M, up to 75% of total project costs
Maximum Term: Up to 30 year term
Eligible Uses
The purchase and installation of energy efficient equipment such as HVAC, insulation, lighting, cooling, doors/windows across a wide variety of projects.
Renewable energy systems such as solar, wind, biomass, geothermal, hydropower.
Rural Eligibility Map
Enter your address or use the pin icon to determine eligibility.
If your project is “not located in an eligible area”, there are special exemptions for food producers, and value-added food processors.
Please book your free consultation to resolve eligibility at no cost.
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