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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