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USDA B&I Loan: The $25M Financing Option Most Buyers Completely Miss
Outgrown SBA or stuck at the $5M cap?
If you’ve outgrown SBA — or you’re looking at a deal that simply doesn’t fit inside the $5 million box — this is a financing tool you need to understand.
In this video, we break down the USDA Business & Industry (B&I) loan, a powerful but underutilized program that allows up to $25 million in financing for eligible rural business and real estate projects.
This isn’t just for farms.
We’re talking hotels, gas stations, manufacturing facilities, assisted living and memory care, warehouses, logistics centers, medical clinics, veterinary practices, and even investment real estate — something SBA typically doesn’t allow.
Why the USDA B&I loan is different
The USDA B&I loan is designed to stimulate rural economic growth, which means buyers who are flexible on geography can unlock larger deal sizes, longer leverage, and structures that simply aren’t possible with SBA 7(a).
What you’ll learn in this video
You’ll learn what types of projects actually qualify, how USDA differs from SBA when it comes to owner occupancy, why this program works especially well for real estate-backed deals, and when it makes sense after hitting SBA limits.
Who this is for
If you’re thinking bigger, expanding beyond urban markets, or stacking capital for larger transactions, this is a program worth paying attention to.
Watch the full video to see whether the USDA B&I loan could be the right fit for your next acquisition.