USDA B&I Loans

USDA Business & Industry Loans provide long‑term, government‑backed financing for rural businesses seeking capital for real estate, equipment, expansion, or working capital. Alliance Business Capital helps borrowers nationwide secure USDA B&I Loans with competitive terms, flexible structures, and expert guidance through every stage of underwriting. These programs strengthen rural economies by supporting job creation and sustainable business growth — ideal for hotel, hospitality, and commercial property owners outside major metro areas.

Alliance Business Capital

USDA B&I Loan Criteria

  • Minimum Loan Amount – $500,000

  • Maximum Loan Amount – $20 Million

  • Minimum DSCR – 1.25

  • Citizenship – Must be a U.S. Citizen (permanent resident alien may be eligible)

  • Eligibility – Property must be located in a designated eligible area

USDA B&I Eligible Uses

  • Property Acquisition

  • New Construction

  • Modernization

  • Working Capital

  • Business Acquisition

  • Debt Refinance

Required Loan Forms & Initial Documentation

Alliance Business Capital has developed a standardized loan package that aligns with the documentation and underwriting requirements of our lending partners. Proper packaging is essential to the loan approval process, and our role — whether acting as a commercial loan intermediary, advisor, or correspondent lender — is to ensure your client’s submission is complete, compliant, and positioned for efficient lender review.

Loan Forms

Please use Alliance Business Capital forms exclusively when submitting a Loan Application. All forms should be completed in as much detail as possible to avoid delays in processing. Our team will assist in fine‑tuning all forms prior to lender submission.

Initial Documents Needed

  • 2 Forms of ID – (Driver’s License and Passport)

  • Borrowing Entity Formation Documents

  • Tax Returns – 3 Years Personal and Business Tax Returns (must be the completed Federal tax returns with all schedules and including all W-2’s and K1 statements)

  • Property Financials – most recent 3-year end PL’s and a current YTD profit and loss with balance sheet

  • On Refinances – a copy of the existing note(s) and settlement statement from original purchase if < 4 years

  • Construction Loans – need a copy of approved plans, permits and contractor detailed construction budget along with a proforma

Upon receipt and review of the above documents, additional information or documentation may be required.

Disclaimer

All financing is subject to credit approval, property eligibility, and compliance with USDA Rural Development guidelines. Loan terms, rates, and conditions may vary based on location, borrower qualifications, and program availability. Alliance Business Capital Inc. is not affiliated with the U.S. Department of Agriculture; all references to USDA B&I Loans pertain to the official Business & Industry Loan Guarantee Program administered by USDA Rural Development. Alliance Business Capital, Inc. acts solely as a commercial loan intermediary and advisory firm.

It All Starts With a Conversation!

Have a deal you’d like to discuss? Partner with Alliance – we’re results-oriented and focused on helping you close transactions efficiently.

For Commercial Real Estate Financing, Please call

(866) 712 4175

info@alliancebcpartners.com