Business & Industry (B&I) Guaranteed Loans
Project-dependent; verify lender and USDA limitsUp to 40 years, based on assets and repayment ability
View program details →
Explore USDA-backed financing options for eligible rural businesses, farms, and ranches, including business expansion, agricultural property, equipment, and operating needs.
WHEN IT MAY FIT
Eligible rural businesses seeking USDA Business & Industry financing and qualifying agricultural producers considering farm ownership or operating loans.
◆USDA Business & Industry (B&I) guaranteed financing for eligible rural businesses
◆Farm ownership and agricultural real estate
◆Farm operating expenses, livestock, and supplies
◆Machinery, equipment, and eligible improvements
◆Eligible rural business acquisitions or expansions
QUESTIONS TO WORK THROUGH
Rural location and program eligibility
Business or farm type and permitted use of proceeds
Lender underwriting and repayment ability
Collateral, guarantees, and documentation
USDA guaranteed versus USDA direct loan application routes
USDA FINANCING PROGRAMS
Explore USDA loan types, amounts and requirements
USDA Rural Development business loans and FSA farm loans serve different borrowers. Explore each program before applying.
Farm Ownership Loans
Direct: up to $600,000; guaranteed: up to $2,558,000Up to 40 years
View program details →Farm Operating Loans
Direct: up to $400,000; guaranteed: up to $2,558,000Typically up to 7 years; annual operating needs are generally repaid sooner
View program details →Farm Microloans
Up to $50,000 (subject to FSA rules)Operating: generally up to 7 years; ownership: up to 25 years
View program details →Rural Energy for America (REAP) Guaranteed Loans
Project-based; guaranteed loans may cover up to 75% of eligible project costsUp to 40 years, subject to project and asset life
View program details →Loan limits, rates and requirements may change. USDA programs are not interchangeable, and approval depends on eligibility, available funds, and underwriting.
BUILD THE RIGHT PACKAGE