USDA Business and Industry Loans (B&I)

The U.S. Department of Agriculture Business & Industry Loan program creates and maintains employment in rural communities to improve the local economic and environmental climate. United Community Bank participates in this business-cooperative program to benefit for-profit and non-profit companies with long-term, fully-amortizing benefits.

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  • Borrow up to $10 million if your business is located in a rural area with a population of fewer than 50,000 people
  • Get 80% guaranty up to $5 million and 70% up to $10 million
  • Flexible terms up to 7 years for working capital, 15 years for machinery and equipment, and 30 years for real estate
  • Approved uses include business and industrial acquisitions, construction, conversion, expansion, repair, modernization or development costs; purchase of equipment, machinery or supplies; start-up costs and working capital; processing and marketing facilities; pollution control and abatement; and refinancing for viable projects

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