USDA Business & Industry (B&I) Loans

Commercial & Business Financing for Rural America

Businesses located in eligible rural communities may have access to powerful financing options through the USDA Business & Industry (B&I) Loan Guarantee Program.

1st Coastal Commercial Capital helps business owners, investors and sponsors evaluate their transaction, determine potential USDA eligibility, and connect with lenders experienced in USDA-guaranteed financing.

Discuss Your USDA B&I Financing

USDA

Financing Rural Businesses.

Building Stronger Communities.

Government Guarantee

Backed by the strength of USDA Rural Development.

Longer Terms

Terms structured around the useful life of the asset or working capital need.

Competitive Financing

The USDA guarantee can help reduce exposure for lenders and support better rates.

Rural Economic Impact

Strengthening businesses that build strong rural jobs and communities.

What Can USDA B&I Financing Be Used For?

Depending on USDA eligibility and lender approval, financing may be available for:

Commercial Real Estate

Purchase, construct, improve or expand eligible business facilities and commercial real estate.

Business Acquisitions

Finance eligible acquisitions that preserve or create businesses and employment in qualifying rural communities.

Business Expansion

Capital for businesses adding facilities, production capacity, locations or operations.

Equipment & Machinery

Purchase eligible equipment, replacement equipment and other business assets.

Debt Refinancing

Refinance qualifying business debt when the transaction satisfies USDA program requirements.

Working Capital

Finance eligible operating and working capital needs as part of a qualified business transaction.

Why Consider USDA B&I Financing?

Government-Guaranteed Financing for Eligible Rural Businesses

  • ✓Larger Financing Opportunities – The program can accommodate substantial commercial real estate transactions, subject to USDA program limits and approvals.
  • ✓Longer-Term Financing – Loan terms can be structured around the useful life of the assets being financed and applicable USDA requirements.
  • ✓Competitive Financing Structure – The USDA guarantee can help eligible lenders support eligible transactions.
  • ✓Multiple Uses of Proceeds – Financing may include eligible real estate, equipment, acquisitions, refinancing and working capital.
  • ✓Rural Economic Development – The program is specifically designed to support businesses, employment and economic development in eligible rural areas.

Does “Rural”
Mean Remote?

Not Necessarily.

Many business owners are surprised to discover that properties and businesses located outside major urban areas may qualify for USDA financing.

Eligibility is based on USDA geographic and program requirements, not simply whether a property appears rural.

Who May Qualify?

USDA B&I financing may be appropriate for eligible:

Eligibility depends on the borrower, business, location, use of proceeds and USDA requirements.

More Than a Real Estate Loan

Finance the Business Behind the Property

One of the strengths of USDA B&I financing is its ability to support qualifying business needs beyond commercial real estate. A properly structured transaction may potentially include:

This can make USDA B&I potentially available for businesses that need a complete financing solution rather than simply a mortgage.

What Will the Lender Look At?

USDA-guaranteed financing still requires sound underwriting.

The lender and USDA may evaluate factors including:

Strong Business.
Eligible Location. Right Capital Structure.

SBA 7(a) or USDA B&I?

Which Program Fits Your Transaction?

SBA 7(a)

Excellent for many eligible small-business acquisitions, owner-occupied properties, equipment and working capital transactions.

USDA B&I

Designed to encourage commercial and industrial lending in eligible rural communities and can be ideal for larger deals or specialized business transactions.

Conventional / Private Capital

For transactions that don’t meet SBA or USDA requirements, other commercial financing options may still be available.

You don’t need to determine the program yourself.
Send us the transaction and we’ll help evaluate the financing alternatives.

Banks Underwrite
To a Box.

Private Capital Can Underwrite the Opportunity.

Family offices can be particularly valuable when a transaction has strong fundamentals but requires flexibility in structure, timing, documentation or execution.

One Relationship.
Multiple Capital Sources.

Bank Loans

Lowest Cost – Strictest Guidelines

Strong borrowers and stabilized properties that satisfy conventional income, credit, documentation and underwriting requirements.

VS

Alt-A Loans

Flexible Underwriting – Competitive Alternative

For fundamentally sound transactions that fall outside traditional bank guidelines but may not require hard money financing.

VS

Hard Money / Bridge

Maximum Flexibility – Short-Term Solution

For transactions where speed, collateral, timing or complexity outweigh conventional underwriting considerations.

Have a USDA B&I Deal? Send It to Us.

Tell us about the business, property and financing request. We’ll evaluate the transaction and help determine whether USDA B&I or another commercial financing program may be appropriate.

Loan / Capital Request

$250,000 to
$250,000,000+

Capital

Debt · Bridge · Mezzanine · Preferred Equity · JV Equity · Special Situations

Property

Commercial Real Estate

Nationwide

Rural America

Need a Private Capital Solution?

Direct Line

Nationwide

We Finance Rural America