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If small town America is your bread and butter, a USDA Business and Industry (B&I) Loan may be a smart option for your financing needs. A B&I Loan offers an opportunity for stability, growth, and employment for your new or existing business if you are located in a community of 50,000 people or less. 

This loan typically offers lower down payments and longer terms, and is available in amounts up to $5 million. USDA loans are vital to our Northern California communities — count on our knowledgeable team to answer your questions and help you get started today.

  • Designed for the needs of small businesses located in qualifying rural areas*
  • Eligible uses include but are not limited to:
    • Business conversion, enlargement, repair, modernization, or development
    • Purchase and development of land, easements, rights-of-way, buildings, or facilities
    • Purchase of equipment, leasehold improvements, machinery, supplies, or inventory
    • Debt refinancing when new jobs will be created and other conditions are met
    • Business and industrial acquisitions when the loan will keep the business from closing and/or save or create jobs
  • Available in loan amounts up to $5 million
  • Backed by the United States Department of Agriculture (USDA)
  • Loan terms between 7 and 30 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Flexible terms
  • We also offer SBA small loansSBA 7(a) and 504 loans, and international SBA loans
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

*As defined by the USDA.

Take your small business to the next level!