Skip Navigation
Site Logo

USDA Loans

Strengthening our rural communities.
Farmer in a growing field

Truliant offers loans to our members through the U.S. Department of Agriculture Business and Industry program. We are here to help you grow your business, with a USDA loan.

What to expect:

  • Fill out Truliant's Business Loan Application
  • Contact a Business Services officer or deliver your application to your local branch.
  • A Truliant Business Services officer will help you through the application process to answer questions and expedite your loan application. Usually in two business days or less, we will reach out to discuss the details of your loan.

Business Loan Calculators

United States Department of Agriculture


While U.S. Department of Agriculture (USDA) and Small Business Administration (SBA) loans are quite similar, there are a few notable differences between the two loans.

SBA loans typically tend to be no larger than $5 million, whereas USDA loans can be up to $25 million. USDA loans tend to include larger fees and federal guarantees in contrast to the smaller scale SBA loans. Learn more at the USDA website.


What can you fund with a USDA loan?

You can use federal USDA Loans for many purposes including:

  • Land purchase
  • Buildings and equipment
  • Housing assistance
  • Working capital
  • Debt refinancing

USDA Loans to Purchase Land

Businesses, tribes, cooperatives, nonprofits and public entities may qualify for USDA business and investment loans to purchase lands, easements and rights-of-way in rural areas. The funds may not be used to develop golf courses, racetracks, casinos and rental housing, among others. Private entities that apply for loans to purchase land will be required to show that the money will remain in the U.S. and will be used for developments that will save jobs or create new jobs for rural residents.

USDA Loans to Purchase Buildings and Equipment

Truliant USDA loans may also be used to purchase buildings and equipment. Individuals who are U.S. citizens or lawful permanent U.S. residents may be eligible for the loans. Private entities might also be eligible for the loans under the previously listed restrictions.

The buildings must be located in rural areas with populations of less than 50,000 people and intended to create new jobs in rural locations or to save existing jobs.

USDA Loans to Meet Needs for Working Capital

Businesses operating in qualifying rural areas that need money for working capital might also be eligible to apply for USDA loans. They will need to demonstrate that the funds will remain in the U.S. and will be used to preserve existing jobs or create new ones.

USDA Loans to Refinance Debt

Businesses, nonprofits, tribes and public entities might also apply for USDA loans to refinance their existing debt so that it can continue to operate and improve the local economy. According to the Office of the Comptroller of the Currency, since these loans are federally guaranteed, these types of loans often offer longer repayment terms and lower interest rates than other types of loan products.

USDA business and industry loans are designed to stimulate job creation and growth in rural areas. People and organizations with qualifying business operations and planned projects in rural areas can learn more by visiting a Truliant location.

Rates and terms are subject to change. Loans are subject to credit approval.