Broker Program

Join the country’s most trusted brokers who help foster the flourishing of Rural America by partnering with North Avenue Capital. Our specialty loan programs offer a variety of lending solutions to rural employers and entrepreneurs.

Begin referring project
opportunities to North Avenue
Capital today to start the
prequalification process for the USDA B&I Program, USDA REAP Program, USDA CF Program, and more. Loan amounts range
from $2 million to $100 million.

Earn incremental income by leveraging established relationships within your existing client bases to earn incremental fee income on closed loans made to your clients and prospects.

America's #1 Broker Program

NAC’s commitment to brokers has earned us the distinct honor of being crowned the #1 Broker Program in America by the NACLB (National Alliance of Commercial Loan Brokers). Why the recognition? It could be our straightforward 1% commission minimum, distributed at loan close. Or it could be our robust, easy-to-use catalog of broker resources that take the guesswork out of describing our niche offering. It was for these reasons, the NACLB bestowed such an honor.

Our reason for maintaining such commitment is clear: together, we can help secure competitively priced funding for some of America’s most overlooked economic producers.

Benefits of Being an NAC Broker

Award-Winning Access

to the Broker Program crowned #1 in the nation by NACLB 2021

Exclusive Broker Program Newsletter

filled with insights and opportunities

Dedicated NAC Loan Specialist

to support your unique needs

Access to Higher Referral Fees

increases your income potential

Regular Market Updates

to keep you ahead of the curve

24/7 Broker Portal Access

with information you need, when you need it

Loans Starting at $2 Million

North Avenue Capital’s suite of loan programs offers competitively priced solutions for commercial enterprises primarily in areas with populations under 50,000.

Our government-guaranteed loans offer competitive interest rates to borrowers whom traditional banks often ignore. Wall Street Journal Prime (WSJ-P) + 1-3%
The USDA loan programs we facilitate offer funding to rural employers and entrepreneurs, those building community facilities, investing in renewable energy, and those involved in the supply chain.

We serve startups, new construction, refinance, business acquisition, and business expansion.*

*NAC does not lend to multi-use, residential properties. CRE Properties can be either owner-occupied or tenant-occupied.

Qualifying Loan Types

Our USDA-backed loan programs include the USDA Rural Energy for America Program, USDA Business & Industry, and USDA Community Facilities.

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.

Success-Based Referral

At North Avenue Capital, we receive a large part of our loan opportunities from through broker relationships. To remain competitive and aligned with our core values, we provide broker commissions of up to 1% upon loan closure. Here’s a simple breakdown: If you’re finalizing a $5 million project for your client, you stand to earn $50,000 at closing. Notably, North Avenue Capital has disbursed more than $1.9 million in broker commissions to date.

Broker Case Study: Molly Butler

Molly Butler, half of the namesake behind Butler & Butler Properties of St. Augustine, Florida, is perhaps better acquainted with NAC’s broker program than anyone else. As one of our highest earners, Molly’s introductions to NAC borrowers St. Mark’s Pond and RCA Trade Center resulted in three significant flows of funds.

The first two streamed from the USDA’s funds into the accounts of two quality rural businesses, while the other came in the form of referral bonuses from NAC directly to Molly. If Molly’s six-figure total in referral bonuses is any indication, the relationship between brokers and NAC can be a lucrative one.


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

Sign up for the NAC Broker Program Today!

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