📞  Call (888) 556-4029 Submit Deal
(888)-556-4029
USDA Business & Industry Loans · Since 1998

Government-backed USDA B&I loans.
Long-term financing for rural America.

USDA B&I loans from $500,000. Up to 30-year terms. Up to 85% government guarantee. Competitive rates. Hotels, farms, self-storage, restaurants, medical offices & more. One dedicated loan officer from first call to funding.

24-hour file review  •  Same loan officer  •  $500K minimum

Call (888) 556-4029 Get a Free Quote Today’s Rates
$500K Minimum Loan Amount
0 Year Max Term
0 % Government Guarantee
What Sets UFIG Apart

Why rural businesses choose UFIG for USDA B&I loans

01Speed
Fast Approvals

Our team has been closing USDA B&I loans since 1998. We move quickly while maintaining full USDA compliance and submitting complete, pre-underwritten files.

02Guarantee
Up to 85% Backed

Government guarantee reduces lender risk and unlocks the lowest possible rates for qualified rural businesses — including those that may not fit conventional lending boxes.

03Long Term
Up to 30 Years

Real estate terms up to 30 years with predictable payments that support long-term rural business growth and preserve operating cash flow.

04Expertise
Rural Focus

Dedicated USDA specialists who understand rural America, USDA eligibility requirements, and every eligible business type — from hotels and farms to self-storage and medical offices.

USDA B&I Loan Parameters

Loan terms & eligible rural business types for USDA B&I loans

UFIG delivers flexible, government-guaranteed USDA B&I loans built around your rural business — from $500,000 with terms designed for lasting success.

Loan Parameters
Loan Amount$500,000 – $25M+
GuaranteeUp to 85%
Real Estate TermUp to 30 Years
Equipment TermUp to 15 Years
Working CapitalUp to 7 Years
Interest RateCompetitive Fixed or Variable
CollateralRequired
GeographyRural Areas <50,000 Population
Businesses We Finance
🌾
Farms & Ranches
⛽
Gas Stations
🏨
Hotels & Motels
📦
Self Storage
🍽️
Restaurants
🏥
Medical Offices
🔧
Auto Repair
🏭
Industrial & Manufacturing
🧸
Day Cares
🏬
Retail & Service
🧺
Dry Cleaners
+
Many More
How It Works

Our 4-step USDA B&I
loan process.

01Submit
Submit Your Deal

Call or submit the form below. Takes minutes. A USDA specialist reviews your deal the same day.

02Proposal
Receive Your Quote

Personalized USDA B&I rate quote within 24 hours — terms, guarantee percentage, and structure.

03Underwrite
USDA Underwriting

Streamlined process with our specialists. We pre-underwrite the file before it reaches any lender.

04Close
Close & Fund

Government-backed funds wired to you. One loan officer managed your file start to finish.

Common Questions

USDA B&I Loan FAQ.

Everything you need to know about government-guaranteed rural business financing.

Who qualifies for a USDA B&I loan?
Businesses located in rural areas with a population under 50,000. Eligible borrowers include for-profit and nonprofit entities, cooperatives, tribes, public bodies, and individuals. The business must create or retain rural jobs and improve the local economy.
What is the maximum loan amount?
Up to $25 million standard, with exceptions up to $40 million for certain rural cooperatives processing value-added agricultural products. UFIG minimum is $500,000.
What are the current guarantee percentages?
Up to 85% for loans $5 million and under in FY 2026. The guarantee percentage scales down for larger loan amounts. The government guarantee reduces lender risk and results in better terms for borrowers.
How long are USDA B&I loan terms?
Real estate: up to 30 years. Equipment and machinery: up to 15 years or useful life. Working capital: up to 7 years.
What can the loan funds be used for?
Business acquisitions, expansion, renovation, equipment purchase, working capital, real estate development, and refinancing — as long as it benefits rural communities and meets USDA eligibility requirements.
Is collateral required?
Yes. Collateral must have sufficient documented value to protect the lender and USDA guarantee. Real estate, equipment, and business assets are commonly used as collateral.
Start the Conversation

Ready to explore USDA B&I financing?
Start with one conversation.

Every complete file is reviewed within 24 hours. One loan officer manages your deal from first call through closing — no hand-offs, no repeat explanations.

Call (888) 556-4029 Submit Your Deal Today’s Rates
Get a Free USDA B&I Quote

Tell Us About
Your Rural Business Deal.

  • Response within 24 hours — often same day
  • Dedicated USDA loan specialist
  • Up to 85% government guarantee
  • Long-term financing up to 30 years
  • One loan officer start to close
(888) 556-4029
Mon–Thu 9am–5:30pm · Fri 9am–1pm Eastern
USDA B&I loans — Rural main street commercial financing for small town America — UFIG

Name(Required)