| Best for | Businesses in rural areas, including many small towns and metro edges |
| Eligibility | Generally located in an area under 50,000 population |
| Loan size | Typically up to $25M |
| Guarantee | Up to 80% to the lender, lower on larger loans |
| Term | Up to 30 years real estate, 15 years equipment, 7 years working capital |
| Equity | Usually 10% tangible balance-sheet equity for existing businesses; 20% for new |
| Time to close | About 60–120+ days |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Common questions
- How do I know if my location counts as rural? We check your address against USDA eligibility maps before anything else.
- What if a lender drops out mid-process? It happens. We re-place deals with other USDA lenders rather than starting over.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Recent transactions
Special situations
IRS or tax lienHow tax liens affect a new loan and how to pay off or subordinate them at closing.How it gets solvedRural propertyWhy rural property gets declined or lower leverage, and the lenders and programs built for it.How it gets solvedLender backed outWhy late fall-throughs happen and how to re-place a deal without starting over.How it gets solvedLoan is too small for lendersWhy low-dollar or low-leverage requests get turned down and how to make them work.How it gets solved
Related programs
SBA 7(a) LoansThe SBA's main loan program: long terms and lower down payments for buying a business, buying or refinancing owner-occupied real estate, equipment, working capital, and refinancing expensive debt.View programOwner-Occupied Commercial LoansLoans for business owners buying or refinancing the building their business operates in: warehouses, shops, plants, offices, mixed-use.View programEquipment FinancingFinance new or used equipment, or borrow against equipment you already own.View program