Timber & Lumber Loans

Flexible Lending Options

for Timber & Lumber Companies

Its products surround our living rooms, raise our roofs, and line our barns. The boards it produces become children’s toys, designers’ prototypes, and executives’ desks. For a simple-sounding industry, the reach of the timber industry is far and wide.

Thanks to their expansive sites, timber and lumber projects almost always occupy rural territory. That seemingly small factor has a notable benefit: it can unlock competitively priced funding through the USDA’s Business & Industry Loan Program.


Timber & Lumber Loans through the USDA Business & Industry Loan Program

Eligible Loan Types for Timber & Lumberyards


Business Conversion


Ground Up Construction

Machinery & Equipment

Real Estate Purchase



USDA SBA Combination

Working Capital

The USDA lends for more than just lumber.

At NAC, our rural lending experts guide applicants through the process in full. The business owners we serve are often surprised to hear that the USDA supports more than agriculture alone. In fact, the USDA Business & Industry Loan Program has nothing to do with agriculture at all. The USDA’s Business & Industry Loan Program provides government-guaranteed loans and grants to rural small businesses of all types. The loan program empowers entrepreneurs and entities with loans of up to $25 million, so long as they operate in communities of 50,000 or fewer.

Borrower Spotlight

Greenville Timber

Interested in financing from NAC?

Fill out the form below and a Loan Specialist from our team will reach out.

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*Be advised, we do not fund USDA Business Loans under $2 million.

NAC-Funded Timber & Lumber Businesses

Why Choose North Avenue Capital?

Availability of Capital

As a rural business, you could qualify for up to $25 million in funding per project – substantially more than is available through traditional lenders.

Interest-Only Options

NAC’s interest-only construction loans free borrowers from redundant closings while reducing uncertainty, shifting terms, and equity calls.


NAC partners with businesses of all varieties, including well-established corporations, startup enterprises, and everything in between.

Simplified Structure

NAC can consolidate multiple types of debt into a single, amortized, non-callable, balloon-payment-free loan structure.