Government-guaranteed financing for businesses in rural communities. Larger loans than SBA, terms up to 30 years, and up to 90% financing.
USDA B&I loans are made by lenders and guaranteed by the U.S. Department of Agriculture. Location is the biggest qualifier: the business must operate in a USDA-designated rural area.
Construct, expand, repair or modernize business facilities.
Buy and develop land, easements and rights-of-way.
Machinery, equipment, supplies and inventory.
Buy a business when the loan keeps it open or saves or creates jobs.
Refinance business debt when the project creates new jobs.
Eligible alongside for-profit businesses, unlike most SBA loans.
Terms available through our USDA lending partner. Final terms depend on the project, the location and your business.
Send the business address. We confirm it falls in a USDA-eligible rural area before anything else.
Our lending partner sizes the B&I loan and, for larger projects, blends in SBA or conventional financing.
The lender secures the USDA guarantee, then closes and funds.
When a rural project outgrows the B&I limit, lenders can blend programs.
Illustration only. Structure, equity and terms depend on the project and lender approval.
USDA generally treats a city or town under 50,000 people as rural. Send us the address and we'll confirm it.
B&I allows larger loans and longer terms, but only in rural areas. Outside those areas, see SBA 7(a) or SBA 504.
No. B&I is for rural businesses of all kinds. For land and agricultural operations, see farm and ranch loans.
Yes. Rural nonprofits and municipal facilities can qualify, which is not the case for most SBA loans.
Yes, when the project creates new jobs.
Send us the address and the project. We'll see if B&I fits.
Terms shown are available through Capital Lending Group's lending partner as of October 2026 and change without notice. USDA B&I loans are subject to USDA eligibility rules, rural area designation, lender credit approval and fees. Capital Lending Group, LLC is a loan broker, not the lender, and is not affiliated with the U.S. Department of Agriculture.
Disclosure: Capital Lending Group, LLC is a loan broker, not the lender. We specialize in assisting businesses with the loan application process by connecting you with lenders who may provide financing. While we offer guidance and support throughout the application process, Capital Lending Group, LLC is not the lender and does not provide funding directly. Loan applications are subject to lender review and approval. Offerings and eligibility requirements vary by lender.
