USDA Loans
With a USDA loan from Ready Capital, rural businesses can maintain a positive cash flow while financing job creation and growth in underbanked areas.
Offering USDA Commercial Loans and Unmatched Expertise
Rural businesses are essential to the development and growth of communities, providing jobs to local residents and contributing significantly to the local economy. For businesses that don’t have the necessary cash flow or collateral to secure financing required to grow, USDA loan guarantees were created to bring equality in financing to the rural parts of America, where finding conventional capital is frequently more difficult.
We are one of the top USDA lenders in the nation due to our team’s breadth of experience and high closing rate. Unlike other lenders, USDA loans are a primary focus, which means we know how to navigate each program and collaborate with state offices to yield the best results.
Explore USDA Business Loans
The Ready Capital team is familiar with all USDA business loan programs and can help determine which one may be right for any business’s needs.
USDA Business and Industry (B&I) Loans
Businesses, public bodies, or individuals hoping to finance a development project in a rural area may be able to obtain as much as $25 million in B&I financing. Ready Capital supplies the funds needed to create job opportunities in rural communities and can help submit a loan to the USDA for an up to 80% government guarantee.
USDA Rural Energy for America Program (REAP) Loans
Installing renewable energy systems and upgrading inefficient equipment can help rural businesses cut costs—but with a significant amount of upfront capital first. If financing is a struggle, a USDA REAP loan from Ready Capital can provide up to $25 million for energy-efficient improvements.
Why a Choose a USDA Loan from Ready Capital?
Ready Capital is a trusted partner for small business loans.
Here’s why clients think we’re different.
Publicly Traded
A non-bank, non-depository, listed on the New York Stock Exchange (NYSE:RC)
SBA Preferred Lender
The #4 SBA Preferred Lender in the United States
Responsive Lending
More flexible lending delivers better outcomes
Nationwide Coverage
Lends in all 50 states, delivering over $1.6B in capital
Dedicated Service
A reliable Ready Capital representative manages each transaction
Rapid Execution
Approval process focused on speed, dependability, and transparency
Find Out if a USDA Business Loan is Eligible
Whether a medical office in a rural community or an agriculture production facility in a major U.S. city, these businesses may qualify for a USDA loan from Ready Capital. In a short phone call, one of our experts can help determine eligibility and identify the best loan program (or programs) for all types of projects.