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title: USDA Rural Development Loans
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USDA Rural   
Development   
Loans

Financing built to help rural businesses grow

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USDA B&I Loan Features

## Affordable, Long-term Financing that Builds Businesses and Communities

With a USDA B&I loan, you can get up to $10M in financing for your rural-based business. Created by the U.S. Department of Agriculture, Business & Industry (B&I) loans help rural businesses get financing at competitive rates and longer terms so they can continue to grow and create more jobs.

You can use these funds to expand your business, refinance debt, upgrade equipment, start ground-up construction, and more.

Have a project that requires more than $10M in funding? We can often blend SBA, USDA and conventional funds to meet the scope of bigger business projects.

- Floating rates based on WSJ Prime 
- Up to $10M in loan commitments
- Maturities from 1 to 10 years, with renewal provisions 
- Up to 85% of the value of A/R 
- Up to 75% of the value of inventory
- Additional servicing fees commensurate w/business profile

[Book your free consultation](https://calendly.com/sbcap/financing-needs-assessment)

 USDA B&I LOAN ELIGIBILITY

## Is Your Area Eligible for an USDA B&I Loan?

![USDA-BI-Map-2-630x420.png](https://sbcap.org/hubfs/USDA-BI-Map-2-630x420.png.webp "USDA-BI-Map-2-630x420.png")

The biggest qualifier for getting a USDA loan is the location.  
The business to be financed must operate in an area designated as rural by the USDA.   
The USDA defines "rural" as any city or town with a population of under 50,000.  
Map sourced from [https://eligibility.sc.egov.usda.gov/](https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do), 2020.

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