CRE Debt & Equity
USDA Business & Industry Loans
- Deal size
- $3M–$25M
- Indicative terms
- Up to 75% LTCPrime + 1.5–2.5%25–30 yrs
Overview
A government-guaranteed structure delivers long-term, low-rate permanent financing for qualifying rural businesses and real estate — the tradeoff is a longer close (60–120 days), which a bridge-to-USDA structure can offset.
Submit a DealWho this fits
- Any USDA-eligible zone (generally sub-40K population)
- Bridge-to-USDA option available
What disqualifies a deal
- Projects outside USDA-eligible geography
Frequently asked
Questions sponsors ask about this program
- What deal sizes does USDA Business & Industry Loans support?
- USDA Business & Industry Loans is sized at $3M–$25M. A government-guaranteed structure delivers long-term, low-rate permanent financing for qualifying rural businesses and real estate — the tradeoff is a longer close (60–120 days), which a bridge-to-USDA structure can offset.
- What are the indicative terms?
- Indicative terms are Up to 75% LTC; Prime + 1.5–2.5%; 25–30 yrs. Final pricing and structure depend on sponsor track record, asset quality, and the exit.
- Who is a good fit for this program?
- Any USDA-eligible zone (generally sub-40K population). Bridge-to-USDA option available.
- What would disqualify a deal?
- Projects outside USDA-eligible geography. We tell sponsors early when a deal isn't right for this program rather than shopping it to lenders who won't close it.
- How does the process and timing work?
- Closings run 60–120 days because of the government guaranty process; a bridge-to-USDA structure can fund sooner and refinance into the permanent loan.
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