USDA Loans

Evolve Bank & Trust’s USDA B&I Loans provide small businesses in rural communities with the capital needed to expand, modernize, and thrive.

Through the USDA Loan Guarantee Program, we help rural business owners secure competitive financing with favorable terms, ensuring sustainable growth and economic development. Whether you’re investing in new facilities, upgrading equipment, or purchasing essential inventory, our USDA Business & Industry (B&I) Loans offer the support needed to drive long-term success.

WHO WE ARE

Empowering Rural Businesses with USDA Loan Expertise

We offer USDA loans as part of our comprehensive range of services. We offer specialized support in structuring USDA Business Loans tailored to the unique needs of rural entrepreneurs. With in-depth knowledge of USDA Rural Business Loan programs, we help business owners navigate the loan process—making it easier to access the capital they need to grow, whether they’re launching a new venture or expanding an established one.

Loans to Grow our Business

Evolve Bank & Trust specializes in USDA Business & Industry Loan Solutions for rural business growth in business development, modernization, and conversion.

Happy black man, tablet and animals in agriculture, farming or sustainability in the countryside. African male person smile on technology with live stock, cows or cattle for small business or produce

Stay competitive by improving operations, upgrading technology, or transitioning your business model. USDA B&I Small Business Loans support renovations, business transformations, and expansion initiatives that enhance productivity and profitability.

Secure funding to purchase commercial real estate, expand your business footprint, or relocate to a strategic location. USDA Commercial Loans provide financing for land and building acquisitions that drive long-term stability and growth.

Ensure operational efficiency with the purchase of new equipment, raw materials, and inventory. Our USDA B&I Loans offer financing for essential business assets that keep operations running smoothly.

Benefits of USDA B&I Loans with Evolve Bank & Trust

USDA business loans through Evolve offer low-interest, long-term financing for rural businesses to support growth, job creation, and economic development—flexible terms and low down payments.

  • Competitive interest rates
  • Long repayment terms
  • USDA Loan Guarantee Program
  • Access to capital for rural businesses 
  • Financing for real estate, equipment
  • Supports modernization and technology 
  • Manufacturing, retail, and services
  • Loan amounts up to $25 million
  • Rural areas with populations under 50,000
  • Supports job creation & economic development
  • Flexible terms tailored to business needs
  • Ability to refinance existing debt 
  • USDA Business Loan Guarantee Program
  • Startups and established businesses
  • Funding for energy efficiency and renewables
  • Expert guidance from our USDA Group

Key Support for USDA Loans

Evolve supports USDA loans with expert guidance on eligibility, application processing, and documentation. Businesses, nonprofits, and municipalities can access funding for real estate, equipment, and working capital.

Loan Eligibility Criteria

Understanding the eligibility requirements ensures that your business qualifies for USDA Rural Business Loans. Our team provides expert guidance to determine if your company meets USDA standards.

Application Process & Documentation

Navigating the USDA Business Loan application process can be complex. We streamline the experience, assisting with documentation, financial analysis, and submission requirements.

Repayment Terms & Structuring

Flexible repayment structures help businesses manage cash flow effectively. We work with borrowers to create loan terms that align with their long-term financial goals.

USDA Loan FAQ's

A USDA B&I Loan is a government-backed financing program designed to support rural businesses by providing funding for expansion, modernization, and operational improvements. These loans are focused on rural America businesses. The USDA Loan Guarantee Program reduces lender risk by providing a federal guarantee on a portion of the loan, enabling businesses to secure financing with lower interest rates and better terms.

Eligible businesses must operate in rural areas with populations under 50,000. The loan is available for startups, expansions, and established businesses in industries such as manufacturing, retail, and services. Businesses can refinance existing high-interest debt with a USDA loan to improve cash flow, reduce financial strain, and provide long-term stability for continued growth and success.

USDA business loan funds can be used for a variety of essential business needs, including purchasing commercial real estate, renovating or expanding existing facilities, acquiring new or used equipment, and covering operational expenses such as payroll and utilities. Businesses can also use the funds to maintain adequate inventory levels, ensuring smooth operations and customer satisfaction.
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THE EVOLVE ADVANTAGE

Expert USDA B&I Loan Services

Unlock new opportunities for your rural business with Evolve Bank & Trust’s USDA B&I Loan Program. Contact our experts today to get started.

Nationwide USDA B&I Lending
Our expert team has extensive reach that allows us to support rural businesses across the country with expert loan structuring and financial solutions to help grow rural and small town businesses.
Dedicated USDA B&I Team
We provide specialized guidance through every step of the process, ensuring that business owners maximize the benefits of USDA Commercial Business Loans.
Proven Results
With a track record of success in USDA Rural Small Business Loans, we help businesses secure the funding they need to grow and thrive.
Fast, Meticulous Service
We offer fast, expedited loan support and direct access to government-backed financing. We know rural business and can provide the high level support our clients rely on to gain access to funds.
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Contact a Lender

Evolve’s program is designed specifically to provide for the borrowing needs of businesses located in rural areas. Our goal is to encourage and provide commercial financing for rural businesses. The B&I Loan Program is made available through the United States Department of Agriculture (USDA) guaranteed loan program.