Cultivating Your Success

We understands that rural businesses and farmers play a critical role in their communities. These businesses are often the cornerstones of their communities, helping boost the economy and provide critical jobs. We appreciate the hard work your rural business does, and that's why we work with you and the US Department of Agriculture (USDA) to secure funding for your rural business. We work on your behalf to secure the money you need to grow and continue to help your community enjoy sustainable success. Using our expertise, we’ll save you time and increase your odds of approval since we identify the best options designed to get the funds you need.

USDA Loans 101

USDA Loans help America’s rural communities thrive. These loans are government-backed and offer up to $25 million in capital for rural businesses and farms to use for various needs. USDA loans especially champion job creation in small communities and are available to non-profit, for-profit, government, and tribal entities. Government backing for these loans also means that it can be easier to be approved for compared to traditional business loans.

Types of USDA Loans We Facilitate

Our mission is to help rural communities build a culture of self-sufficiency and sustainability. With this in mind, we walk you through the entire loan process.  
Different USDA Loan types include:

Business & Industry Program (B&I)

The B&I loan program is the USDA’s flagship program targeted at creating jobs and stimulating the economy in rural communities. Eligible businesses can apply for up to $25 million in capital.

Rural Energy for America Program (REAP)

REAP offers guaranteed financing to rural businesses or agricultural producers of up to $25 million for renewable energy systems or to make energy efficiency improvements.

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, offering up to $1,825,000.

Community Facilities Program (CF)

The CF Loan Guarantee Program helps develop facilities that provide an essential service to their local rural community of 20,000 inhabitants or less, offering up to $100 million.

What are the differences between SBA Business Loans and USDA B&I Loans?

The USDA Business and Industry Loan program is geared towards fostering employment in rural America. The program is not limited to farmers, farming and agricultural-related businesses; these funds may be used to develop businesses if the property is located in a rural town of <50,000 residents.

Key differences between the USDA B&I loan and SBA 7a loan programs:

Loan Attributes

USDA Business and Industry Loans

SBA Business Loans

Maximum Loan Size

$25 Million

$5 Million

Minimum Loan Size

$2 Million*

No Minimum, but commonly no less than $30,000

Geographic Requirements

Rural America & US Territories

No Restricted Geographic Area

Interest Rate Estimates

WSJ + 1-3%

SBA Prime Rate based Rate

Origination Fees


Not Allowed

Guaranteed Portion

80% Max

85% Max

Security of Guarantee


Can Be Negotiated

Speed of Government Processing

4-12 weeks

4-6 Weeks


1:1 Discounted

No Regulatory Requirement


10%, 20%, 25% Tangible Net Worth

No Regulatory Requirement

Interest Rates

Lender Determined

Lender Determined

Average Default Rate



Prepayment Penalty

10 Year Decline or Negotiated

Fixed at 5/3/1

Repayment Terms

Maximum of 30 Years

Maximum of 25 Years

Owner Occupancy

No Restrictions

Owner Required to Occupy the Property

The Right Choice for Your Business

There are two many benefits to USDA loans that make them an attractive choice compared to traditional loans.

Low Interest Rates

Creditworthiness does factor into your loan interest rates, but USDA loans still have some of the lowest rates on the market.

Extended Repayment Terms

USDA loans make it easier for rural businesses to grow thanks to flexible repayment terms. Depending on what you’re using the funds for, payment plans can range from 7 to 30 years.

Our Fee Structure

We are compensated directly by the lenders in a very high majority of cases. For those rare few cases, where we must charge clients fee, we may use the following fee schedule, except Hard Money and Cannabis Loans that could incur additional costs.

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