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.
Backed by the strength of USDA Rural Development.
Terms structured around the useful life of the asset or working capital need.
The USDA guarantee can help reduce exposure for lenders and support better rates.
Strengthening businesses that build strong rural jobs and communities.
Depending on USDA eligibility and lender approval, financing may be available for:
Purchase, construct, improve or expand eligible business facilities and commercial real estate.
Finance eligible acquisitions that preserve or create businesses and employment in qualifying rural communities.
Capital for businesses adding facilities, production capacity, locations or operations.
Purchase eligible equipment, replacement equipment and other business assets.
Refinance qualifying business debt when the transaction satisfies USDA program requirements.
Finance eligible operating and working capital needs as part of a qualified business transaction.
Government-Guaranteed Financing for Eligible Rural Businesses
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.
USDA B&I financing may be appropriate for eligible:
Eligibility depends on the borrower, business, location, use of proceeds and USDA requirements.
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.
USDA-guaranteed financing still requires sound underwriting.
The lender and USDA may evaluate factors including:
Strong Business.
Eligible Location. Right Capital Structure.
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.
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.
Lowest Cost – Strictest Guidelines
Strong borrowers and stabilized properties that satisfy conventional income, credit, documentation and underwriting requirements.
Flexible Underwriting – Competitive Alternative
For fundamentally sound transactions that fall outside traditional bank guidelines but may not require hard money financing.
Maximum Flexibility – Short-Term Solution
For transactions where speed, collateral, timing or complexity outweigh conventional underwriting considerations.
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
