USBA Business and Industry Loans

USDA B&I Loans have been available through Alliance since 2010. Several program changes have occurred since 2010, and we have stayed on top of them. Thinking about a USDA Business and Industry Loan – think Alliance Business Capital!

Passionate – Dedicated – Professional

USDA B&I Loans

USDA Business and Industry Loans are available through Alliance Business Capital in eligible USDA areas.

easy qualification

With Our Streamlined Process

lTV’s up to 90%

Special Use Properties to 85%

Owner Operated Businesses

USDA B&I Loans are available in every State for Owner Operated Businesses

Passionate – Dedicated – Professional

USDA B&I Loan Program

Alliance Business Capital can assist with USDA B&I Loans in eligible areas.

USDA B&I Loans are strictly for rural areas with populations of < 50,000. The property must be located in a designated eligible area for consideration under the USDA B&I Loan Program.

Acceptable Use of Proceeds on a USDA B&I Loan:

  • B&I Loans may involve acquisitions, construction, conversion, repair, modernization or debt refinance
  • Loan proceeds can be used for real estate acquisition and/or improvements, machinery, equipment, furniture, fixtures and working capital
  • Closing costs and guarantee fee

We can assist on Loan Amounts from $500K up to $20 Million on the USDA B&I Loan Program.

We will need the following items on all shareholders / owners holding a 20% or more ownership in the borrowing entity.

Loan Forms:

Documents

  • Personal Tax Returns for the most recent 3 years – need the complete Federal Tax Returns only, however we need the complete returns with all schedules and including W-2’s and K1’s for all 3 years
  • If applicable, we need the business returns for all entities for the most recent 3 years – need the complete Federal Tax Returns with all schedules
  • 2 ID’s – good copies of 2 government issued ID’s (e.g. Driver’s License and Passport)
  • Current year to date profit and loss statements with balance sheet and business debt schedules on all business owned by borrowers through the end of the most recent month

Additional Items

  • If a purchase, we will need an executed copy of the purchase contract, the sellers most recent 3 years tax returns and a current year to date profit and loss statement with balance sheet
  • If new construction, we will need a copy of the approved plans and the general contractor’s quote
  • If a franchise, we will need a copy of franchise agreement
  • If a PIP is involved, we will need a copy of the PIP and Contractor’s Quote to complete
USDA B&I Loans from Alliance Business Capital

Passionate – Dedicated – Professional

Work with Alliance Business Capital on your USDA B&I Loan Request

Our Process to get a USDA B&I Loan request approved.

USDA B&I Loans typically take 120 days to close from acceptance of a term sheet.

complete application

Complete our application and gather required documents from borrower.

third-party reports

Borrower puts up a deposit and third-party reports are ordered.

initial underwriting

Initial review of business financials and other supporting documents.

final underwriting

Review of Third-Party Reports and issuance of Loan Commitment.

term sheet

After Initial Underwriting if everything looks good a term sheet is issued.

loan closing

Upon acceptance of the Commitment Letter loan goes into closing.

USDA B&I Loan Flyers

Download our USDA B&I Loan Flyers

check eligibility

See if your property is located in a USDA Eligible area

apply online

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@alliancebusinesscapital.com