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 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.
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.
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.
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.