USDA B&I · ALL 50 STATES
USDA B&I Loans Nationwide
USDA Business & Industry guaranteed loan pathways for eligible rural businesses—generally from about $500,000. Texas-based Expo Lending. Subject to underwriting.
Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Share location, business type, and loan amount.
USDA Business & Industry (B&I) guaranteed loans help eligible businesses in rural and other qualifying areas access long-term financing with a government guarantee that can improve bank appetite. Expo Lending assists with B&I-oriented packaging in all 50 states where geography and use qualify. Loan sizes generally start around $500,000, subject to underwriting.
Published Program Highlights (Indicative)
- Government guarantee—commonly cited up to about 85% on fitting structures
- Long terms—real estate oriented structures may extend up to about 30 years
- Uses can include rural business real estate, expansion, and related eligible costs when guidelines allow
- Also relevant for some rural parks and agribusiness—see RV & mobile home park loans and agricultural loans
Documents That Help
- Three years of business tax returns and a year-to-date statement (projections if the project changes the business)
- Personal financial statement and three years of returns for each significant owner (commonly 20%+)
- Project budget, appraisal path, and location eligibility confirmation
Compare with SBA 7(a) & 504 when the business is owner-occupied but not rural-eligible, or when SBA structure is a better fit.
Subject to underwriting: Population/eligibility maps, guarantee percentage, rates, and lender overlays change. We confirm current USDA rules against your location and use before quoting.
USDA B&I Loan FAQs
What is the minimum USDA B&I loan you work?
B&I-oriented files we work generally start around $500,000—subject to underwriting.
Who is USDA B&I for?
Eligible businesses in qualifying rural or USDA-defined areas seeking long-term financing—often real-estate heavy projects. Exact geography rules apply.
How does B&I differ from SBA?
Both can support small businesses, but B&I is a USDA guarantee program with rural/eligibility focus. SBA 7(a)/504 have different occupancy and size tests. We compare both when relevant.
Available in all 50 states?
Where the project location and borrower meet USDA eligibility, Expo Lending (Texas-based) may assist nationwide—subject to underwriting.
Mon–Fri 9 AM–6 PM Central · Nationwide business-purpose lending
Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Commercial and business-purpose loan programs, guidelines, amounts, and availability vary by state and underwriting. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.
