USDA Business & Industry financing is broader than most owners expect — it’s not just for farms or small towns. If your for-profit business is buying, building, or expanding in a USDA-approved area, you may qualify for $1M–$25M with a government guarantee. Here’s exactly what the USDA looks at.
Meet these and you’re in the conversation. We confirm the details for you — no guesswork required.
Your company operates to make a profit — LLC, S-corp, C-corp, partnership or sole proprietor. Most non-profits don’t qualify.
Located in (or relocating to) an approved area — generally anywhere outside a city of 50,000+. Far more places qualify than owners assume, including many suburbs.
The business operates in the United States and is majority-owned by U.S. citizens or permanent residents.
A workable credit history and some equity in the deal. You don’t need perfect credit — lenders weigh the whole picture.
One program, many uses — the proceeds can cover most of what a growing business needs.
A few things B&I generally can’t fund: owner-occupied or residential housing, revolving lines of credit, certain agricultural production, and most speculative or passive investments. If you’re unsure where your project lands, we’ll tell you straight on the strategy call.
Checked all three? You’re likely a strong B&I candidate.
Start my full eligibility check →For the B&I program, “rural” means any area outside a city or town with a population over 50,000 — plus its immediately adjacent urbanized fringe. In practice that covers a huge share of the country, including many fast-growing small towns and the outskirts of mid-sized metros.
Don’t self-disqualify on a guess. We’ll confirm your exact address against the official USDA eligibility map during your strategy call — before you spend any time on paperwork.
Answer a few quick questions and we’ll confirm your eligibility, your likely loan range, and your next step — no credit pull, no obligation.
Start my full eligibility check →