USDA Business Loans:
Capital for Rural Growth
If you’re looking for a USDA business loan to fund land, buildings, equipment, or working capital, you’re in the right place. T Bank specializes in the USDA’s Business & Industry (B&I) program, offering up to $25 million with repayment terms of up to 30 years. The 80% USDA guarantee makes these powerful loans possible, allowing us to structure a loan that can lower your payments and fuel your rural business’s growth.
No Balloon Payments
No Balloon Payments
Nationwide Reach—All 50 States
Get the Rural Capital You Need with a USDA Business Loan
Unlock lower payments with up to 80% USDA guarantees. Whether you’re expanding your manufacturing plant, acquiring a local business, or building from the ground up, a USDA business loan provides the flexible financing your cash flow needs.
Nationwide Lending
One closing team handles permits, appraisals, and USDA sign-off—no hand-offs.
Any Industry, Any Stage
Manufacturing, medical, hospitality, food processing—even pre-revenue renewable energy.
97% of the U.S. Qualifies
Rural = population under 50,000. Odds are you’re in—enter your ZIP to confirm.
Closings are subject to credit approval. Stated timelines apply to qualified submissions and are contingent upon the applicant’s timely submission of all required documentation.
Why Choose T Bank for Your USDA Business Loan?
Expert Guidance
Our specialists have a record of clsoing USDA deals. We know the roadblocks—and how to clear them fast.
Streamlined Process
Online doc uploads, in-house underwriting, and a term sheet often in just 48 hours.
Personal Service
One banker manages your loan from start to finish, tailoring terms to your goals.
Is My Project Rural Enough?
Eligible Industries for USDA Business Loans
Manufacturing
Finance new machinery, upgrade your plant, or expand your operations with a flexible USDA business loan.
Hospitality
Build, acquire, or renovate your rural hotel, restaurant, or event venue with a specialized USDA business loan.
Owner-Occupied Real Estate
Purchase, build, or improve the owner-occupied commercial real estate that your rural business calls home.
Healthcare
Our USDA business loans help you build or expand the vital clinics and facilities your rural community needs.
Food Processing
Upgrade your processing equipment, expand your facilities, or add cold storage solutions with a USDA business loan.
Entertainment
Build or renovate the theaters, bowling alleys, and fun centers that bring entertainment to your rural community.
Waste Removal
Secure rural financing for essential waste removal equipment, trucks, or modern transfer station facilities.
Plant Nurseries
Acquire land, install irrigation systems, or build shade houses for your plant nursery with a USDA business loan.
Our Clear Path to Your USDA Business Loan
The USDA loan process has unique requirements. We’ve simplified it into four clear steps so you can focus on building your business.
1. Discovery & Eligibility
A brief call to review your project and confirm your location's rural eligibility.
2. Prequalification & Structuring
We provide clear terms within 48 hours and structure the loan to meet program requirements.
3. Application & Underwriting
Our team guides you through a single, secure document portal for all your paperwork.
4. USDA Obligation & Funding
We handle the final coordination with the USDA to secure the guarantee and fund your project, with no surprises.
Funding Growth in Rural America: Our USDA Success Stories
We are committed to helping businesses thrive outside of major urban centers. See how we’ve partnered with entrepreneurs to secure USDA financing and create jobs in their local communities.
USDA B&I Loan Frequently Asked Questions
What is a USDA Business Loan?
A USDA Business Loan, specifically the Business & Industry (B&I) Guarantee Program, is a government-backed loan designed to create jobs and stimulate the economy in rural communities. The USDA provides a guarantee of up to 80% on a loan made by a lender like T Bank, which allows us to offer larger loan amounts and longer repayment terms.
How does my business qualify as 'rural'?
The USDA has a broad definition of “rural,” which generally includes all areas outside of a city or town with a population of 50,000 or more. This means that a vast majority of the country qualifies. You can use the official USDA eligibility map to check a specific address.
What are the main requirements for a USDA B&I loan?
Beyond being in an eligible rural area, the program is for for-profit businesses, nonprofits, and public bodies. Key requirements include a solid business plan, sufficient collateral, and the ability to demonstrate that the project will create or save jobs in the community.
How is a USDA loan different from an SBA loan?
The primary difference is geographic focus and purpose. USDA B&I loans are exclusively for businesses in eligible rural areas and are often used for larger projects. SBA loans are available nationwide (including in urban areas) and are more flexible for uses like business acquisitions and working capital. Our team is expert in both and can help you choose the right path.
Can I use a USDA loan to refinance existing debt?
Yes, debt refinancing is an eligible use of funds under the USDA B&I program. This can be a powerful tool to improve your business’s cash flow by consolidating other loans into a new loan with a longer repayment term and potentially a lower payment.
Ready to Build in Rural America?
Let’s Map Your Financing.
Your business is the backbone of your community. Let’s get it the capital it needs to grow.
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Closings are subject to credit approval. Stated timelines apply to qualified submissions and are contingent upon the applicant’s timely submission of all required documentation.