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USDA Business & Industry Loans

The USDA B&I Loan Program empowers entrepreneurs and entities of all sizes with loans of up to $25 million, so long as they operate in communities of 50,000 or fewer.

USDA Community Facilities Loans

The USDA CF Loan Program is not designed for commercial undertakings, but rather, to create facilities that provide essential services to rural communities.

USDA Rural Energy for American Program Loans

The USDA REAP Program provides government-guaranteed loans and grants to agricultural producers and rural small businesses to upgrade, replace, or construct energy-efficient systems.

SBA 7(a) Small Business Loans

The SBA 7(a) Loan Program is the Small Business Administration’s primary lending program designed to help small businesses secure the financing they need for various business purposes. Guaranteed by the SBA, they reduce risk for lenders and make it easier for businesses to obtain funding.

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Eligible Use of Proceeds for USDA B&I Loans

Fixed & Variable Rate Options

Ineligible Use of Proceeds for USDA B&I Loans

Learn More About Letter of Intent

Learn More About Prepayment Penalties for USDA Business Loans

USDA B&I Loan Options for Food Producers

USDA B&I Loan Structure

USDA B&I Loans Compared to SBA 7(a) Loans

FAQ

The USDA Business & Industry Loan, or USDA B&I, is NAC’s main loan offering.

  • Hotels/RV Parks
  • Family Entertainment Centers, including movie theaters, bowling alleys, go-karting, waterparks, amusement parks
  • Oil and gas (gas stations, gas refinement, etc.)
  • Waste Removal Services & Landfills
  • Commercial real estate properties (owner or tenant occupied)
  • Wineries, Vineyards, Distilleries
  • Bars, Restaurants
  • Dentists, Healthcare
  • Manufacturing Facilities
  • Industrial Facilities
  • Grocery Stores
  • Textile Manufacturing
  • Event Venue/Wedding
  • Venues
  • Landscaping Nurseries
  • Timber/Lumber Yards
  • Fabrication companies
  • Biotesting facilities/labs
  • Pharmaceuticals

The USDA Community Facilities Loan or USDA CF helps to bolster the nonprofit, education, and public safety business sectors in America. 

  • Nonprofit Organization
  • Hospitals & Healthcare
  • Colleges & Universities
  • Public Safety
    Bridges, Roads, & Airports
  • Telecom Equipment
…and more (all in rural areas)
The USDA REAP Loan is the USDA Rural Energy for America Program, which falls under the USDA Rural Development umbrella.
 
The USDA REAP loan encompasses most sectors of the renewable energy space, including:
  • Solar Loans
  • Wind Turbine Farm Loans
  • Geothermal
  • Hydropower
  • Hydrogen
  • Wind and/or Ocean Generation
  • HVAC
  • Insulation 
  • Lighting
  • Anaerobic Digesters
(all in rural areas)
Learn more about the USDA REAP Loan HERE