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U.S. Department of Agriculture (USDA) Loans
Get the working capital loan you need to run the business you want

U.S. Department of Agriculture (USDA) Loans

Our experience and multi-state designation provide a creative, efficient approach to drive rural business growth
  We’ve partnered with a national USDA multi-state designated lender. Our USDA lender’s status enables them to move more efficiently than other lenders.
  Nationwide lending footprint with a focus on rural locations. No population minimums and most businesses located in the USDA footprint are eligible (50,000 maximum population).
  Flexible underwriting guidelines for business owner-occupied and eligible investment property. Funds can be used for debt refinance, acquisition, equipment, development, and more!
  • Up to $25,000,000 financing sizes. ($1,000,000 preferred minimum, but will consider lower case-by-case)
  • Full documentation underwriting for existing businesses with as little as 10% balance sheet equity
  • 650+ preferred credit (lower credit can be considered on a case-by-case basis with strong compensating factors)
  • All USDA eligible industries and property types considered
  • Startups and startups with a construction component considered (20% to 25% minimum balance sheet equity required)
  • Up to 30-year fully amortizing loans
  • High loan-to-value (LTV) financing
  • Preferred minimum global debt-service coverage ratio (DSCR) of 1.00x to 1.15x
  • Financing is available for various entity types including for-profit, non-profit, cooperatives, federally recognized tribes, public bodies, and individuals engaged or proposing to engage in a business
  • We offer flexible payment terms with rates starting in the 5% range, and various prepayment penalty options
  • Ethanol and bio refineries, renewable energy, and other energy projects eligible

All-Purpose Financing Working Capital to finance almost any business need you can dream up. You can get one loan and work with one lender for all of your needs.

Gold Standard Low down payments interest rates (thanks to that government guarantee decreasing lender risk). Long terms and flexible payment schedules allow you to keep your cash reserves intact.

Not Just Money Some SBA backed loans come with hard to find resources and access to mentorship programs. Whether you get a loan or not, the SBA has a number of services to help small business growth.

Fueling the Economy The SBA backs billions of dollars in loans to small businesses each year, keeping businesses running. The SBA doesn’t typically cost tax payers a penny; The SBA funds itself with the guarantee fee it collects.