Guarantees commercial loans for rural food businesses — processing facilities, packing houses, cold chain, distribution — making bank financing realistic for capital-heavy projects.
The eligibility and application details below are general guidance for this kind of program, not text copied from the funder. The facts above — who runs it, how much, and when it closes — are hand-checked. Always confirm specifics on the official page.
Am I eligible?
Open nationwide — check for state-level ranking or set-asides
Individual farmers, ranchers, and farm businesses may apply
Non-profits, co-ops, and community organizations may apply
Tribes, tribal producers, and tribal enterprises are eligible
Active SAM.gov registration and UEI number required before award
Must be in compliance with USDA/federal program rules (AGI limits, conservation compliance)
Credit history, repayment ability, and collateral are reviewed
Business plan and cash-flow projections generally required
How to apply
1Talk to a USDA Rural Development loan officer about the size and purpose of the loan
2Assemble financials: balance sheet, income history, and projections
3Submit the application with your business plan and collateral information
4Respond to underwriting questions, then close and draw funds
What you'll need
Farm or business name, address, and tax ID / EIN
Three years of tax returns (or projections if you're just starting)
Current balance sheet and cash-flow projection
Business plan and description of what the loan will buy
Collateral list and any existing debt schedule
Timeline & contact
Typically 30–90 days from application to closing, faster for microloans
Get help: USDA Rural Development — your local USDA Service Center or state office can walk you through it
Ready to apply?
Applications go through USDA Rural Development, not through this site. Open the official page below for eligibility rules, forms, and contacts. For federal programs it's worth calling your local USDA Service Center or Cooperative Extension office first — they help with paperwork for free and know what your county actually funds.
State-run windows — check your state ag department
State-administered infrastructure money for the middle of the supply chain: wash-pack lines, cold storage, small processing, aggregation, and food-safety upgrades for produce and value-added products.
Open nationwide — check for state-level ranking or set-asides
Individual farmers, ranchers, and farm businesses may apply
Equipment-only awards from $10,000; infrastructure awards to $3 million