USDA Business & Industry Loan | Potential Borrowers & Brokers | North Avenue Capital


USDA Business & Industry Loans



Direct Lender

Loan Amounts

$2 Million - $25 Million

Serving 97%

of America










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 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. 

Business & Industry Financing 101

NAC CEO Joseph Rowell unpacks how the USDA’s Business & Industry (B&I) Loan Program benefits business owners and local communities through government-guaranteed loans specifically earmarked for businesses in rural locations.

Eligible Business Industries

USDA B&I Loans for For-Profit Businesses



USDA B&I Loans for Nonprofits


USDA B&I Loans for Family-Owned Businesses


USDA B&I Loans for Acquisitions


USDA B&I Loans for Startups


USDA B&I Loans for Refinances


USDA B&I Loans for Manufacturing Businesses


USDA B&I Loans for Retail Businesses


USDA B&I Loans for Entertainment Businesses


USDA B&I Loans for Hospitality Businesses


USDA B&I Loans for Construction


USDA B&I Loans for Commercial Real Estate


Real Estate

Defining Rural:

97% of America

Our customers are often surprised to hear that we only lend to rural businesses — and even more surprised to discover they’ve actually been operating one. 97% of the geographic U.S. is considered rural. Find out if your address qualifies in 10 seconds.

USDA Rural Eligibility Map Updated October 2023
USDA B&I Loan Whitepaper

Learn More with a FREE Guide

For reliable facts and funding,

Look North

The USDA B&I loan program is unlike any other.  Securing financing requires specialized knowledge of the USDA's criteria, creative solutions to complex requirements, and persistance every step of the way.  Our team of specialists have distilled our expertise into a guide called Funding the Flourishing of Rural America.  Access your copy today.

Contact a Loan Specialist Today

Whether you have a project that needs funding, you are a broker with a few on your desk or you are trying to learn more about the USDA Business & Industry Loan from NAC, our Loan Specialists are here to help.  Fill out the form below and we will get back to you promptly.

  • Minimum loan amount: $2 million
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USDA B&I Loan is one of many names you will hear brokers, financial subsidiaries, and owners use in the industry. USDA B&I stands for USDA Business & Industry Loan. It is one of the five loans under the USDA Rural Development Program umbrella. USDA B&I Loans from North Avenue Capital start at $2 million and have a dynamic maximum of $25 million. More ways you will see USDA B&I Loans said in the market is simply a USDA Business Loan or a USDA Commercial Loan. The USDA Rural Development Program is the sister program of the Small Business Loan Program or SBA Loan Program. 

  • Hotels/RV parks
  • Family entertainment centers to include movie theaters, bowling alleys, go-kart tracks, waterparks, amusement parks
  • Oil and gas – gas station or gas refinement, etc. (no exploratory efforts)
  • Waste removal services and landfills
  • Commercial real estate properties (owner-occupied or tenant-occupied)
  • Wineries, vineyards, distilleries
  • Bars, restaurants
  • Dentists, healthcare
  • Hydroponic farms
  • Manufacturing facilities
  • Industrial facilities
  • Grocery Stores
  • Textile manufacturing
  • Event venue/wedding venues
  • Landscaping, nurseries
  • Timber/lumber yards
  • Fabrication companies
  • Bio testing facilities/labs
  • Pharmaceuticals
  • And more

The USDA defines 'rural' by the 2010 Census, meaning a lot of areas that are in question, actually could be considered 'rural.' Did you know that 97% of America's landmass is considered 'rural' by this definition? Check out our Map online! 

North Avenue Capital (NAC) finances projects of $2 million and higher. Our average loan size as of 2022, is $13 million. 

Yes! We fully fund the loan from start to finish and service the loan for the life of the loan. 

Yes! NAC can lend for refinancing, acquisition, start-up businesses, new construction loans, etc. We also can add working capital to a refinance, if applicable. 

Reach out! The sooner the better. Reach out via online chat, over the phone directly, or send an email to [email protected]

Learn More Details About the USDA B&I Loan Program

USDA Business Loans vs. SBA

USDA commercial loans are an excellent financing option for businesses in rural areas. Learn more about USDA vs SBA loans today.

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The United States Department of Agriculture (USDA) Rural Development Program provides loan programs to businesses located in rural areas. These loans can be used to start or expand a business, purchase land or equipment, or even refinance existing debt. However, qualifying for these loans can be challenging for some, especially for small businesses with limited…

Business Lending: Why Savvy Entrepreneurs Are Turning to USDA Rural Development Loans for Their Business Borrowing

Business lending has become increasingly challenging in recent months in tandem with an inflationary economic environment and a steady increase in interest rates. This has made it more difficult for entrepreneurs to access the capital they need to launch new businesses or improve existing ones. However, there is one type of loan that offers exceptional…

Case Studies - 7 Success Stories of Businesses That Used USDA Rural Development Business Loans

The USDA’s Rural Development Business Loan Program offers a variety of commercial loans to help entrepreneurs in rural areas access the capital they need to grow and succeed. These loans can be used for a range of purposes. For new businesses, a USDA Business Loan can provide the capital needed to get off the ground…