Loan Programs > Small Business > USDA B&I

USDA Business & Industry (B&I)

Ready Capital is licensed to leverage USDA B&I loans across most of the U.S. Let us help you structure a financing solution to fit your business goals.


USDA B&I lending eligibility is limited to businesses and projects in areas with populations less than 50,000, with the goal of job retention and creation as well as the overall well-being of rural communities.

USDA Business & Industry logo

USDA B&I Highlights

Our USDA license satisfies customers in traditionally underbanked communities who might benefit from the unique qualities of this program or who otherwise might not meet SBA lending requirements.

* While CRE may be <51% Owner Occupied, CRE must still be used >50% for business purposes (non-residential).

Important Information about USDA: Ready Capital, through its subsidiary, ReadyCap Commercial, LLC, is regulated by and complies with all requirements of the USDA B&I program as set forth by the United States Department of Agriculture under the OneRD Initiative.

USDA Eligibility Site

The USDA provides an easy-to-use eligibility tool, which can be found at the USDA eligibility site.

About Ready Capital

Why Ready Capital for USDA business loans

Ready Capital is your trusted partner for small business loans.
Here’s why brokers and business owners think we’re different.  

Publicly Traded

Listed on the New York Stock Exchange (NYSE:RC), non-bank, non-depository

SBA Preferred Lender

Ready Capital is the #4 SBA Preferred Lender in the U.S.

Flexible Lending

More flexible lending box delivers more successes

Nationwide Coverage

Lends in all 50 states and has delivered over $1.6B in capital

Systematic Process

Provides fast eligibility screening, prequalification, and term sheets

Rapid Execution

Approval process focused on speed, dependability, and transparency

Dedicated Service

A dedicated Ready Capital representative shepherds each transaction

Regular Outreach

A communication-rich customer experience

Have a question about USDA B&I Loans?


Answer: The U.S. Department of Agriculture (USDA) has a Business and Industry (B&I) loan program reserved for rural communities of less than 50,000 people.

Answer: Guaranteed loans are loans that – in the case of SBA and USDA loans – are guaranteed by the U.S. government. In other words, the U.S. government backs or takes on the debt obligation of these loans.

Answer: Yes, USDA B&I loans are amortized and due monthly.

Get Started

Apply for a Ready Capital USDA loan

Click the appropriate loan amount below to be directed to the application process. It takes less than 3 minutes and will not affect your credit score.

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