Whether you're a business proprieter, nonprofit leader, or farm/ranch owner, there's a USDA business loan program for you.
USDA Rural Energy for America Program (REAP) Loans
Implement renewable energy systems, make energy efficiency upgrades or install new energy efficient equipment.
USDA Business & Industry (B&I) Loans
Buy or expand a business, finance improvements, equipment, real estate, working capital or refinance debt.
How Can You Use a USDA Loan?
Whether you are just getting started or gearing up for another expansion, we give businesses in eligible rural areas access to loans from the USDA that feature flexible payment terms and affordable interest rates.
Choose the USDA loan program that addresses your immediate business needs, funds your short term requirements or supports your long term goals.
Real Estate Financing
Buy an existing business, add square footage, construct an ower user building or purchase real estate to occupy.
Energy Efficiency Projects
Implement renewable energy system, make energy efficiency upgrades or install new energy efficient equipment.
Get the equipment you need to replace older assets or expand your operations with financing at reasonable rates.
Obtain a term loan to infuse permanent working capital into your business to improve cash flow.
Secure financing to purchase the inventory you need to meet near to meet near term and longer term demand.
Is a USDA Loan Right for My Business?
USDA loans are not just for agriculture. We help rural businesses and nonprofit organizations across America reach their potential and serve communities with pride.
Owner-Operated Farms and Ranches
USDA loans offer farmers and ranchers in rural areas the ability to finance their current operations and expand as the opportunity arises. USDA loans are available for machinery, equipment, supplies and integrated agricultural production and processing facilities, as well as the purchase and improvement of commercial real estate. Working capital loans and debt refinancing are also available.
The USDA offers nonprofits a portfolio of loans similar to those offered to for-profit small businesses. USDA loans can help nonprofits address working capital needs, buy or improve buildings, and purchase equipment and supplies, providing access to capital without exorbiant fees.