Rural communities benefit from USDA business loans

The US Department of Agriculture (USDA) represents the interests of agricultural and rural communities across America. As part of its mandate to stimulate local economies and create jobs, it partners with both private and community-based organizations, as well as leading lending institutions, to provide significant and necessary funding for rural businesses.

Through a range of secure, government-backed programs, loans of up to $25 million are available—loans that Royale Capital has the expertise to secure on your behalf. This money supports rural businesses and job creation in the immediate future, while helping to ensure self-sustainability in local communities for generations to come.

Features of an USDA business loan through Royale Capital include:

Why should you work with Royale Capital?

How do you qualify for USDA business loans?

USDA Business Loan programs

With four main loan programs to choose from, we will make sure your business is paired with the most appropriate funding with unbeatable rates and terms.

Business & Industry Program (B&I)

The USDA B&I loan program is considered the USDA’s flagship program, helping create jobs and stimulate rural economies by providing Small Business Lending up to $25 million for small businesses. Eligible projects include:

  • Business Acquisitions, Expansions and Start-Ups
  • Inventory and Equipment Purchases
  • Commercial Real Estate
  • Refinance of Existing Debt (Under Certain Conditions)
  • Working Capital
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Rural Energy For America Program (REAP)

REAP provides guaranteed financing to rural businesses or agricultural producers of up to $25 million for renewable energy systems or to make energy efficiency improvements. Eligible projects include:

  • Purchase and Install Renewable Energy Systems (RES), Including Retrofitting and Energy Efficiency Improvements (EEI)
  • RES and EEI May Include Power Generation Systems, Biomass, Geothermal, Hydrogen and Solar and Wind Generation
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Farm Services Agency Programs (FSA)

The FSA’s Guaranteed Farm Loan programs help farmers and ranchers obtain financing from lenders to buy farmland or finance agricultural production. Eligible projects include:

  • Start, improve, expand or transition family farming and ranching operations
  • Rates generally fall in the 1.375-5% range
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Community Facilities Program (CF)

The CF Loan Guarantee Program was established to help develop facilities that provide an essential service to their local rural community of 20,000 inhabitants or less. Eligible projects include:

  • Community Facilities such as town halls, courthouses, airport hangars, or street improvements
  • Essential Facilities May Include Healthcare, Public Safety, Educational and Other Community Support Services
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Our Fee Structure

We charge only one Firm Fixed Fee for Services Rendered. For SBA/USDA loans, we adhere to the SBA’s guidelines for Fees and execution of the Form 159.

Our Fees         Loan Amount

1.0%              <$1,000,000
0.9%              $1,000,001 - $2,000,000
0.8%              $2,000,001 - $3,000,000
0.7%              $3,000,001 - $4,000,000
0.6%              $4,000,001 - $5,000,000
0.5%               >$5,000,001

For government-guaranteed loans, there are guarantee fees ranging from 2-3.75% charged by the federal government. The government collects loan guaranty fees so entrepreneurs (not the United States taxpayers) bear much of the cost of funding and operating government-backed financial assistance programs.

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