USDA Loans

The U.S. Department of Agriculture (USDA) currently maintains a Business and Industry Guaranteed Loan Program. USDA loans can be used for a variety of purposes at competitive interest rates and flexible terms.

Who needs a USDA Loan?

A USDA loan (also called a Rural Development Loan), may be the best option for individuals, corporations and other for-profit and nonprofit entities in designated rural communities. If your business is located in a rural community, you may qualify for special financing. The USDA provides guarantees of up to 80 percent of a loan made by a commercial lender.

Proceeds from such a loan may be used for:

  •  Expansion of Existing Facilities
  •  Refinancing of Current Debt
  •  Equipment Purchases
  •  Working Capital
  •  New Construction
  •  Renovations
  •  Business Startup

Features & Benefits

  •  Loan guarantees of 80% on loans up to $5 million
  •  Flexible credit qualifications
  •  No loan amount limitations


  •  30 year fixed interest rate
  •  No down payment required
  •  No Balloon Payments


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