Rural Focus

Designed for businesses in eligible rural and small‑town areas.

Growth Capital

Finance real estate, equipment, and working capital needs.

Broad Uses

Eligible for manufacturing, services, and community facilities.

Partner Network

Our network of partnered lenders are experienced in USDA B&I.

About USDA Business & Industry Loans

What Is the USDA B&I Program?

USDA Business & Industry (B&I) loans provide lender guarantees to encourage financing for businesses in rural and small‑town communities. The program supports job creation, modernization, and local economic growth with competitive terms.

Common Uses

  • Owner‑occupied real estate purchase or construction
  • Equipment and machinery acquisitions
  • Working capital and refinancing of eligible debt
  • Business acquisition and expansion projects

Terms & Structure

  • Loan amounts up to program limits by lender and project
  • Terms often 10–25 years depending on use of proceeds
  • Rates negotiated with lenders; guarantee reduces risk
  • Collateral and feasibility requirements apply

Eligibility Basics

  • Business located in an eligible rural/small‑town area
  • Feasible project with sufficient cash flow
  • Acceptable credit and management experience
  • Compliance with USDA and lender guidelines

Why F.G. Howell?

USDA B&I has unique eligibility and documentation. We pair your project with lenders who actively originate B&I loans and coordinate with USDA to keep approvals moving.

  • Eligibility screening and area verification
  • Packaging aligned with USDA requirements
  • Introductions to active B&I lending partners
  • Hands‑on support from term sheet to closing
Quick Facts:
Project‑Dependent
Area: Rural / Small‑Town Eligible
Use: RE, Equipment, WC, Refi
Terms: ~10–25 Years
Benefit: Lender Guarantee

Your Partner in Finance

At F.G. Howell, we clarify eligibility, select the right lender, and coordinate with USDA so your rural project stays on schedule and on budget.

Frequently Asked Questions

USDA defines eligibility by census data. We’ll verify your location and confirm program access.

Yes, with strong feasibility and management plans. Additional equity may be required.

Both options exist. Terms are negotiated with the lender; the USDA guarantee helps secure competitive pricing.

Plan for ~60–120 days depending on project complexity and third‑party reports.