Up to $25M USDA-guaranteed loans for rural businesses — 80% guarantee.
The USDA B&I program guarantees up to 80% of commercial loans up to $25M for businesses located in rural areas (populations under 50,000). Enables banks to lend on larger, longer-tenor, more flexible terms than they would on-balance-sheet. Eligible for real estate, equipment, working capital, and acquisitions. Vastly under-marketed vs SBA — often better fit for rural manufacturers, hospitality, ag processing.
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Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.