As one of the leading USDA lenders in the nation1, Live Oak’s team of in-house USDA rural development experts is committed to supporting rural America. With flexible loan options, deep knowledge of the various USDA loan programs and a commitment to exceptional customer service, Live Oak can help you navigate the USDA loan process. Let’s work together to enhance economic opportunities in your community.

Top B&I Lender

Live Oak Bank was named the leading 2021 U.S. Department of Agriculture lender by volume for its Business & Industry (B&I) guaranteed loan program.

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USDA Guaranteed Loan Programs

USDA Business & Industry Program

The Business & Industry (B&I) loan program helps rural businesses secure capital to create jobs in their communities. Eligible uses include commercial real estate and business acquisitions, construction or repairs, equipment purchase and more.

USDA Community Facilities Program

The Community Facilities (CF) loan program provides funding for essential community facilities in rural communities, including hospitals and health care facilities, public safety services, schools and more.

USDA Water and Environmental Program

With funding from the Water and Environmental (WEP) loan program, rural communities can tap into financing for drinking water and waste disposal infrastructure projects.

USDA Rural Energy for America Program (REAP)

The REAP loan program provides funding to agricultural producers and rural small businesses for renewable energy systems or to make energy efficiency improvements.

USDA 9003 Program

The 9003 program offers capital up to $250 million to support the development, construction and retrofitting of new and emerging technologies, including advanced biofuels, renewable chemicals and biobased products.

USDA Food Supply Chain Guarantee Program

As part of the American Rescue Plan Act, the USDA announced its latest loan program to support the food supply infrastructure that will strengthen the food supply chain for the American people.

Download guide for full details on each program:

Download The USDA Program Guide

USDA LOAN PROCESS

The journey to obtain a USDA loan involves multiple steps. In our process overview, we explain how you get approved and when you will receive your money.

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Food Supply Chain Guarantee Program

The USDA is deploying $1 billion to finance eligible businesses involved in the food supply chain infrastructure. With no guarantee fees and loans up to $40 million, this program aims to eliminate bottlenecks in the food supply chain.

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Business owners across the nation have chosen Live Oak to fund their dreams and drive their success. Discover the ways we’ve helped our customers achieve more.

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