USDA Business & Industry (B&I) and Rural Development Loans

At Aspen Capital Solutions, we specialize in structuring USDA-backed commercial loans for businesses, developers, and investors seeking to expand into rural and underserved communities. USDA lending is one of the most powerful but underutilized financing tools available – offering high leverage, long terms, and government-backed guarantees that reduce risk for lenders while increasing access to capital for borrowers.

Our in-house underwriting team evaluates each deal upfront, shortening the approval timeline and ensuring projects are structured correctly before funding through our preferred USDA lending network.

What is USDA Commercial Lending?

The U.S. Department of Agriculture (USDA) provides business loan programs designed to support economic development and job creation in rural areas across the United States. The most common program for commercial borrowers is the USDA Business & Industry (B&I) Loan, but other USDA Rural Development programs may also apply depending on project type.

These loans are backed by the federal government, making them attractive for lenders and enabling businesses to secure larger loan amounts, longer amortizations, and lower equity requirements than conventional financing.

Eligible Uses of USDA Loans

Commercial Real Estate – Acquisition, construction, or expansion of owner-occupied Real Estate.
Business Expansion – Working capital for growth in rural markets.
Equipment Purchases – Heavy machinery, manufacturing equipment, or vehicles.
Refinancing Debt – Consolidating existing debt into a longer-term, lower-cost USDA facility.
Hospitality & Healthcare Projects – Hotels, assisted living facilities, medical centers, and more.
Renewable Energy Projects – Solar, wind, biomass, and other USDA-supported green initiatives.

Key Loan Features

Loan Size – Up to $25 million, with some programs allowing higher.
Guarantee – USDA guarantees up to 80% of the loan, reducing lender risk.
Terms – Up to 30 years for real estate; up to 15 years for equipment and working capital.
Down Payment – As low as 10%.
Interest Rates – Competitive, fixed or variable, negotiated with lenders.
Amortization – Fully amortizing structures with no balloon payments.

Eligibility Requirements

USDA loan programs are designed to support businesses in rural and underserved areas. Typical requirements include:

Business must operate in a rural area (generally populations of 50,000 or less).
Borrower must be a U.S.-based, for-profit entity.
Demonstrated ability to repay through cash flow.
Project must support economic development and job creation.
Certain industries (such as agriculture, manufacturing, hospitality, and healthcare) are strong candidates.

Aspen’s Advantage in USDA Lending

In-House Underwriting – Our credit team underwrites every loan upfront, identifying potential challenges and structuring deals for faster approvals.
Preferred Lender Network – We work with USDA-approved lenders nationwide to deliver efficient closings.
Experience Across Industries – From healthcare to hospitality, industrial to renewable energy, we understand the nuances of USDA-eligible projects.
Creative Structuring – Ability to blend USDA loans with SBA, conventional, or bridge capital for complex financing stacks.
Full Lifecycle Support – From eligibility analysis to closing coordination with USDA, lenders, and Certified Development Companies.

Why Choose Aspen Capital Solutions for USDA Commercial Lending?

Proven track record in USDA B&I and Rural Development transactions.
Ability to finance large-scale commercial projects with competitive leverage.
Nationwide coverage with expertise in both primary and tertiary markets.
Strategic partner focused on shortening timelines and ensuring certainty of execution.

At Aspen Capital Solutions, USDA financing isn’t just another loan option – it’s a strategic tool we help our clients unlock to achieve growth, create jobs, and strengthen communities. Our expertise, relationships, and hands-on approach make us a leading partner for businesses seeking capital in rural America.