U.S. Department of Agriculture (USDA) Loans

Our experience and multi-state designation provide a creative, efficient approach to drive rural business growth.

We’ve partnered with a national USDA multi-state designated lender. Our USDA lender’s status enables them to move more efficiently than other lenders.

NNationwide lending footprint with a focus on rural locations.No population minimums and most businesses located in the USDA footprint are eligible (50,000 maximum population).

Flexible underwriting guidelines for business owner-occupied and eligible investment property. Funds can be used for debt refinance, acquisition, equipment, development, and more!

  • Up to $25,000,000 financing sizes ($1,000,000 preferred minimum, but will consider lower case-by-case)
  • Full documentation underwriting for existing businesses with as little as 10% balance sheet equity
  • 650+ preferred credit (lower credit may be considered on a case-by-case basis with strong compensating factors)
  • Startups and startups with a construction component considered (20% to 25% minimum balance sheet equity required)
  • Up to 30-year fully amortizing loans
  • High loan-to-value (LTV) financing possible with compensating factors
  • Preferred minimum global debt-service coverage ratio (DSCR) of 1.00x to 1.15x
  • Financing is available for various entity types including for-profit, non-profit, cooperatives, federally recognized tribes, public bodies, and individuals engaged or proposing to engage in a business
  • We offer flexible payment terms with rates starting in the 5% range, and various prepayment penalty options
  • Ethanol and bio refineries, renewable energy, and other energy projects eligible

Finally, the funding you need. When everyone else says no, we say yes! Contact us to start your success plan today and you’ll never lack the funding you need to grow your business.
Contact Us
WordPress Video Lightbox