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.
Nationwide
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.
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.
For-Profit
Businesses
Nonprofits
Family-Owned
Acquisitions
Startups
Refinance
Manufacturing
Retail
Entertainment
Hospitality
Construction
Commercial
Real Estate
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.
Learn More with a FREE Guide
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.
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.
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.
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].
USDA commercial loans are an excellent financing option for businesses in rural areas. Learn more about USDA vs SBA loans today.