Business and Industry Guaranteed Loans
Department Of Agriculture, Rural Business Cooperative Service
The purpose of the B&I Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities.
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Helps rural businesses get loans for real estate, equipment, and working capital. Loans are guaranteed, making it easier to secure funding.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
Loan guarantees enable commercial lenders to provide financing for rural businesses. Funds can be used for business development, conversion, expansion, modernization, purchase of land/buildings/infrastructure/machinery/equipment/inventory, debt refinancing (if it improves cash flow and creates jobs), and business/industrial acquisitions (if it maintains operations and creates/saves jobs). Guarantee percentages are 85% for loans less than $5 million and 80% for loans $5 million or more. Loan terms will not exceed 40 years.
Who Is Eligible?
Business Size: small, medium, large
Industries: commercial, industrial, forestry, aquaculture, vertically integrated agriculture (under specific conditions)
Region: United States, rural areas (project must be in an area with population <= 50,000)
Demographics: federally-recognized tribes, US citizens or permanent residents (individuals), private entities with funds remaining in U.S.
Other Criteria: for-profit businesses, non-profit businesses, cooperatives, public bodies, individuals engaged in business, project must primarily create new or save existing jobs for rural U.S. residents
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📋What Are the Application Steps & Timeline?
📄What Documents Are Required?
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💰What Expenses Are Eligible?
🤝Is Matching Funding Required?
- 🔀Matching Required
- Yes
- 📊Matching Ratio
- 15% minimum
- 🏦Eligible Matching Sources
- cash
- in-kind contributions
- 📚Stacking Rules
- Combining with other government funding is allowed
- 🛡️Proof of Matching Required
- Documentation to prove matching funds is required
📊What Are the Reporting Requirements?
How Do I Apply?
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FAQFrequently Asked Questions
This program is available to small, medium, large businesses in commercial, industrial, forestry industries located in United States, rural areas (project must be in an area with population <= 50,000).
Contact the program administrator for funding details.
This program accepts applications on a rolling basis.
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