USDA Rural Business Loans Michigan | $2M-$25M | 97% of Michigan Qualifies

Larger Loans for Michigan Businesses in Rural and Semi-Rural Areas—Most of Michigan is Eligible

USDA Business & Industry (B&I) loans provide $2M-$25M for job creation, expansion, and growth in rural Michigan

✓ $2M-$25M ✓ Rural Michigan ✓ Job Creation Focus ✓ Competitive Rates

📞 (855) 998-5874 | ✉️ hello@sbaloansmichigan.com

SECTION 1: WHAT ARE USDA RURAL BUSINESS LOANS IN MICHIGAN?

USDA Rural Business Loans—officially called USDA Business & Industry (B&I) loans—provide Michigan businesses in rural and semi-rural areas with larger loan amounts, competitive terms, and favorable rates specifically designed to promote job creation and economic development in rural Michigan communities.

Here's what surprises most Michigan business owners: 97% of the United States qualifies as "rural" under USDA guidelines. That means most of Michigan—including areas you wouldn't consider rural—is eligible for USDA B&I loans.

USDA B&I loans offer Michigan businesses:

✓ Loan amounts from $2 million to $25 million (much larger than SBA's $5M maximum)
✓ 97% of Michigan is eligible (most areas outside Detroit, Grand Rapids, and Ann Arbor cores qualify)
✓ Competitive rates and terms (typically 8-11% depending on project and business strength)
✓ Job creation incentives (favorable terms for businesses creating Michigan jobs)
✓ Flexible use of proceeds (working capital, real estate, equipment, expansion, acquisitions)
✓ Support for rural economic development (USDA prioritizes projects that strengthen rural communities)

For Michigan businesses in rural and semi-rural areas—from manufacturing operations in Livingston County to food processing plants in West Michigan, distribution centers in mid-Michigan to agricultural businesses throughout the state—USDA B&I loans provide the substantial capital needed for major expansions, facility purchases, equipment acquisitions, and transformative growth projects.

USDA B&I loan structure:

Unlike SBA loans with their specific three-party structures, USDA B&I loans work more like conventional business loans with one critical difference: the USDA guarantees up to 80% of the loan, reducing lender risk and enabling larger loan amounts with better terms than conventional financing.

• USDA guarantees up to 80% of the loan

• Lender provides 100% of funds

• Borrower provides down payment (typically 10-20%)

• Terms up to 30 years for real estate, 15 years for equipment, 7 years for working capital

Example USDA B&I loan structures:

$5M Manufacturing Expansion (Rural Michigan):

• USDA B&I loan: $5,000,000

• USDA guarantee (80%): $4,000,000

• Down payment (10%): $556,000

• Total project: $5,556,000

$15M Distribution Center (Mid-Michigan):

• USDA B&I loan: $15,000,000

• USDA guarantee (80%): $12,000,000

• Down payment (15%): $2,647,000

• Total project: $17,647,000

$25M Food Processing Facility (West Michigan):

• USDA B&I loan: $25,000,000

• USDA guarantee (80%): $20,000,000

• Down payment (20%): $6,250,000

• Total project: $31,250,000

Why Michigan businesses choose USDA B&I loans:

✓ Much larger loan amounts than SBA programs (up to $25M vs. SBA's $5M)
✓ Most of Michigan qualifies (not just "rural" areas—semi-rural and small towns too)
✓ Job creation focus aligns with manufacturing, distribution, and production businesses
✓ Competitive rates (often better than conventional loans due to USDA guarantee)
✓ Flexible use (can finance working capital, real estate, equipment, acquisitions, refinancing)
✓ Rural economic development mission means USDA wants to approve these loans

SECTION 2: DOES YOUR MICHIGAN BUSINESS LOCATION QUALIFY AS "RURAL"?

The biggest misconception about USDA rural business loans: Most Michigan business owners assume they don't qualify because they don't consider their area "rural."

The reality: 97% of the United States—including the majority of Michigan—qualifies under USDA rural eligibility guidelines.

USDA Rural Eligibility in Michigan

Generally ELIGIBLE (Rural/Semi-Rural Michigan):

✓ All of Northern Michigan (Traverse City area, Petoskey, Gaylord, Alpena)
✓ Upper Peninsula (Marquette, Sault Ste. Marie, Escanaba, Houghton)
✓ West Michigan (Holland, Muskegon, Big Rapids, Ludington, most of Kent County outside Grand Rapids core)
✓ Mid-Michigan (Midland, Bay City, Saginaw area, Mount Pleasant, Alma)
✓ Thumb Region (Port Huron, Sandusky, Bad Axe, Harbor Beach)
✓ Southeast Michigan suburbs and exurbs (Livingston County, Washtenaw County outside Ann Arbor, northern Oakland County, northern Macomb County)
✓ Southwest Michigan (Battle Creek, Kalamazoo suburbs, Three Rivers, Dowagiac, Niles)
✓ South Central Michigan (Jackson, Hillsdale, Lenawee County, Adrian)

Generally NOT ELIGIBLE (Urban Core Areas):

❌ Detroit proper (but many suburbs and exurbs DO qualify)
❌ Downtown Grand Rapids (but surrounding Kent County areas often qualify)
❌ Ann Arbor core (but Washtenaw County outside Ann Arbor often qualifies)
❌ Lansing core (but Ingham County outside Lansing often qualifies)

The key point: Even if you're 20-30 minutes outside Detroit, Grand Rapids, or Ann Arbor, you likely qualify.

Examples of Michigan areas that surprise business owners by qualifying:

• Brighton and Howell (Livingston County)

• South Lyon and Milford (western Oakland County)

• Saline and Chelsea (Washtenaw County)

• Grandville and Wyoming (Kent County)

• Delta Township (Ingham County)

• Most of Genesee County outside Flint core

• Most of Kalamazoo County outside downtown Kalamazoo

How to check eligibility:

The USDA maintains an online eligibility map that shows exactly which addresses qualify. We check eligibility for you as part of our free consultation—just provide your business address and we'll confirm within 24 hours whether you're eligible for USDA rural business loans.

Don't assume you don't qualify. Most Michigan businesses outside the cores of Detroit, Grand Rapids, Ann Arbor, and Lansing are eligible—and many within suburban areas of those cities qualify too.

SECTION 3: WHAT CAN YOU USE USDA B&I LOANS FOR?

USDA Business & Industry loans offer significantly more flexibility than SBA 504 loans and can be used for almost any legitimate business purpose that creates or retains jobs in rural Michigan.

Real Estate (Most Common Use)

✓ Purchase existing buildings (manufacturing facilities, warehouses, distribution centers, office buildings)
✓ New construction (build facilities from the ground up)
✓ Facility expansion (add square footage, additional buildings)
✓ Major renovations (modernize existing facilities, improve efficiency)
✓ Land acquisition (purchase land for future development or expansion)

Michigan examples:

• Manufacturing company in Livingston County purchases 100,000 sq ft facility

• Food processing operation in West Michigan builds new production facility

• Distribution center in mid-Michigan expands warehouse by 50,000 sq ft

• Agricultural processor in Thumb region acquires land and builds processing plant

Equipment & Machinery

✓ Manufacturing equipment (production lines, CNC machines, industrial machinery)
✓ Processing equipment (food processing, agricultural processing, material processing)
✓ Material handling systems (conveyor systems, automated storage, forklifts)
✓ Heavy equipment (construction equipment, agricultural equipment, specialized machinery)
✓ Technology and automation (robotics, computer systems, efficiency upgrades)

Michigan examples:

• Automotive supplier in rural Oakland County finances $8M in production equipment

• Food processor in Southwest Michigan purchases packaging and processing line

• Lumber mill in Northern Michigan upgrades sawmill equipment

• Agricultural operation in mid-Michigan finances grain handling and storage systems

Working Capital

✓ Inventory financing (purchase raw materials, finished goods inventory)
✓ Accounts receivable (bridge cash flow gaps between invoicing and payment)
✓ Payroll and operations (fund day-to-day business operations during growth)
✓ Marketing and expansion (fund market entry, customer acquisition, territory expansion)

Unlike SBA 504 loans (which exclude working capital), USDA B&I loans CAN include working capital—making them ideal for businesses that need comprehensive financing packages.

Business Acquisitions

✓ Purchase existing businesses (buy competitors, suppliers, or complementary operations)
✓ Buyouts (purchase partner shares, management buyouts)
✓ Franchise acquisitions (purchase franchise rights and operations)

Debt Refinancing

✓ Refinance existing debt (consolidate high-interest loans)
✓ Improve cash flow (extend terms, reduce payments)
✓ Business optimization (refinance to fund growth)

USDA B&I loans offer strategic refinancing options that can dramatically improve cash flow for rural Michigan businesses.

What You CANNOT Use USDA B&I Loans For

❌ Relocation of businesses from one rural area to another rural area (USDA wants to create jobs, not relocate them)
❌ Golf courses, racetracks, gambling facilities
❌ Businesses deriving more than one-third of revenue from gambling
❌ Private clubs or businesses restricting membership
❌ Direct lending to agricultural production (crops, livestock)
❌ Nonprofit organizations (must be for-profit businesses)

SECTION 4: USDA B&I VS. SBA 7(a) VS. SBA 504 – WHICH IS RIGHT FOR MICHIGAN?

Choose USDA B&I Loans When:

✓ Your business is in rural or semi-rural Michigan (eligible area)
✓ You need $2M-$25M (larger than SBA maximums)
✓ You're creating or retaining significant jobs in Michigan
✓ You need comprehensive financing (real estate + equipment + working capital)
✓ Your project involves manufacturing, processing, distribution, or production
✓ You want one loan package instead of multiple financing sources

Choose SBA 7(a) When:

✓ Your business is anywhere in Michigan (no location restrictions)
✓ You need up to $5M
✓ You want maximum flexibility in use of proceeds
✓ You're in any industry (broader eligibility than USDA)
✓ You want faster closing (45-60 days vs. 60-90 days for USDA)

Choose SBA 504 When:

✓ You're only purchasing real estate or equipment (no working capital needed)
✓ You want absolute lowest down payment (10%)
✓ You want fixed rate locked for 25 years (zero rate risk)
✓ Your project is $1M-$10M
✓ You don't need job creation focus (504 has minimal job requirements)

Michigan scenarios:

$8M manufacturing expansion in Livingston County:

• Best choice: USDA B&I (rural location, large amount, job creation)

$2M business acquisition in Detroit:

• Best choice: SBA 7(a) (urban location, acquisition focus)

$4M warehouse purchase in Grand Rapids suburbs:

• Best choice: SBA 504 or USDA B&I (either works; 504 if real estate only, USDA if working capital needed)

$750K restaurant in Ann Arbor:

• Best choice: SBA 7(a) (urban, under $2M minimum for USDA)

SECTION 5: USDA RURAL BUSINESS LOAN REQUIREMENTS FOR MICHIGAN

Business Eligibility

✓ For-profit business (nonprofits don't qualify)
✓ Located in eligible rural area (97% of Michigan qualifies)
✓ Small to mid-sized business (typically under 500 employees, varies by industry)
✓ Financially sound with positive cash flow (demonstrated ability to repay)
✓ Credit-worthy ownership (personal and business credit evaluated)

Location Eligibility

✓ Business must be located in USDA-eligible rural area
✓ 97% of Michigan qualifies (most areas outside Detroit, Grand Rapids, Ann Arbor cores)
✓ We verify eligibility for free (provide your address, we check within 24 hours)

Financial Requirements

✓ Positive cash flow and profitability (demonstrated ability to service debt)
✓ Strong debt service coverage ratio (typically 1.25x or higher)
✓ Reasonable debt-to-worth ratio (varies by industry)
✓ Adequate collateral (loan must be secured, though collateral alone won't carry weak cash flow)
✓ Owner equity injection (typically 10-20% of project cost)

Credit Requirements

Personal credit: Typically 680+ preferred, though 650-680 possible with strong business performance

Business credit: Strong business credit profile helps significantly

Lenders evaluate:

• Payment history (business and personal)

• Outstanding debts and obligations

• Credit utilization and management

• Any past issues and how they were resolved

Job Creation/Retention

USDA B&I loans emphasize job creation and retention as a core mission. Projects that create or retain jobs in rural Michigan communities receive priority and favorable consideration.

Job requirements:

• Must create or retain jobs in the rural community

• Jobs should be permanent, full-time positions when possible

• Part-time jobs count but are weighted differently

• Indirect jobs (suppliers, service providers) can be included in economic impact analysis

No specific formula like SBA 504 (1 job per $75K), but demonstrating job impact strengthens your application significantly.

Use of Proceeds

✓ Must be for sound business purposes that benefit rural Michigan economy
✓ Cannot relocate jobs from one rural area to another
✓ Priority given to projects that strengthen rural communities
✓ Manufacturing, processing, distribution, and production projects strongly favored

Down Payment

Typical down payment requirements:

• Standard projects: 10-20% of total project cost

• Startup businesses or higher risk: 20-25%

• Strong established businesses: 10-15%

• Real estate-heavy projects: 10-15%

• Working capital-heavy projects: 15-25%

Example: $10M project typically requires $1M-$2M down payment (10-20%)

SECTION 6: USDA B&I LOAN TERMS, RATES & STRUCTURE FOR MICHIGAN

Loan Amounts

Minimum: $2 million practical minimum (below this, SBA 7(a) or conventional loans make more sense)
Maximum: $25 million per borrower
Sweet spot: $3M-$15M (where USDA B&I structure provides maximum advantage)

Interest Rates

Current USDA B&I rates in Michigan (2025):

• Typical range: 8-11%

• Best rates: 8-9% (strong borrowers, secured projects)

• Standard rates: 9-10% (typical established businesses)

• Higher rates: 10-11% (newer businesses, higher leverage)

Rate factors:

• Business financial strength and credit

• Collateral and down payment

• Loan amount and term

• Project risk profile

• Industry and market conditions

Fixed vs. variable:

• Variable rates more common (tied to prime or SOFR)

• Fixed rates available (typically 0.5-1% premium)

• Many borrowers choose variable for flexibility

Compare to:

• Conventional commercial loans: 9-14% (higher for businesses that don't fit conventional credit boxes)

• SBA 7(a): 9-11%

• SBA 504: 5-7% (fixed, but real estate/equipment only)

USDA B&I loans often provide better rates than conventional due to USDA guarantee reducing lender risk.

Repayment Terms

Real estate financing:

• Up to 30 years

• Fully amortized (no balloon payments)

• Fixed or variable rate options

Equipment and machinery:

• Up to 15 years (or useful life, whichever is less)

• Aligned with equipment depreciation

• Fully amortized

Working capital:

• Up to 7 years typically

• Shorter terms reflect liquidity needs

• Fully amortized

Combination projects (real estate + equipment + working capital) use blended terms based on use allocation.

Example $10M project with blended uses:

• Real estate (60%): $6M at 25-30 years

• Equipment (30%): $3M at 10-15 years

• Working capital (10%): $1M at 5-7 years

• Blended payment structure optimizes cash flow

Fees & Closing Costs

USDA guarantee fee: 2-3% of guaranteed portion (typically 80% of loan)

• Example: $10M loan with 80% guarantee = $8M guaranteed = $160K-$240K fee

• Usually rolled into loan amount

Lender fees: $10K-$50K depending on loan size and complexity

• Origination fees

• Underwriting fees

• Legal and documentation

Third-party costs:

• Appraisal: $5K-$25K (depending on property size and complexity)

• Environmental Phase I: $3K-$8K

• Environmental Phase II (if needed): $15K-$50K+

• Survey: $3K-$15K

• Legal fees: $15K-$50K

• Consulting/packaging: $10K-$30K

Total closing costs typically 3-5% of loan amount

Example $10M loan:

• USDA fee: $200K

• Lender fees: $30K

• Third-party: $50K

• Legal: $30K

• Total: $310K (3.1%)

Most costs can be rolled into financing.

Collateral & Guarantees

Collateral required:

• First lien on assets purchased with loan proceeds

• Additional business assets as needed

• May include real estate, equipment, inventory, receivables

• Personal real estate sometimes required for additional security

Personal guarantees:

• All owners with 20%+ ownership must personally guarantee

• Standard requirement for most business loans

• Demonstrates owner commitment to project success

SECTION 7: THE USDA B&I LOAN PROCESS FOR MICHIGAN BUSINESSES

Timeline: 60-90 days typical

Step 1: Eligibility Verification & Consultation (Days 1-7)

What happens:

• Verify your Michigan location qualifies as rural

• Discuss your project (expansion, acquisition, equipment, etc.)

• Review preliminary qualifications

• Determine if USDA B&I is best fit vs. SBA programs

• Explain structure, timeline, requirements

What you need:

• Business address (we verify rural eligibility)

• Basic project details (amount needed, purpose, timeline)

• Preliminary financial information

• Understanding of job creation potential

Step 2: Documentation & Application Preparation (Days 8-30)

What happens:

• Gather comprehensive financial documentation

• Prepare detailed business plan with job creation analysis

• Document project details (real estate, equipment, use of funds)

• Assemble loan application package

• Order third-party reports (appraisal, environmental if applicable)

What you provide:

• 3 years business tax returns (USDA wants more history than SBA)

• 3 years personal tax returns

• Financial statements (balance sheet, P&L, cash flow)

• Business plan with projections

• Personal financial statement

• Project details and documentation

• Job creation/retention analysis

This is where we add massive value: USDA B&I applications are more complex than SBA applications. We handle the entire packaging process, ensuring your application addresses USDA's rural development mission and job creation focus.

Step 3: Lender Submission & Underwriting (Days 31-55)

What happens:

• Application submitted to USDA-approved lender from our network

• Lender conducts full underwriting analysis

• Third-party reports completed (appraisal, environmental, surveys)

• Additional documentation requested and provided

• Lender issues preliminary approval

USDA-approved lenders are specifically authorized to originate B&I loans. Not all lenders have this authorization—we work exclusively with experienced USDA B&I lenders.

Step 4: USDA Review & Approval (Days 56-75)

What happens:

• Lender submits approved package to USDA Rural Development office

• USDA reviews for program compliance and rural development mission alignment

• USDA evaluates job creation/retention impact

• USDA issues conditional approval or requests additional information

• Final USDA approval and guarantee issued

The USDA review focuses on:

• Rural eligibility (location verification)

• Economic impact (jobs, community benefit)

• Financial feasibility (can business repay?)

• Program compliance (eligible uses, appropriate structure)

Step 5: Closing & Funding (Days 76-90)

What happens:

• Loan documents finalized

• Closing scheduled

• All conditions satisfied

• Documents signed

• Funds disbursed

• Project begins

Total timeline: 60-90 days for most USDA B&I loans

Compare to:

• SBA 7(a): 45-60 days

• SBA 504: 60-90 days

• Conventional (if you qualify): 45-75 days

Why USDA takes 60-90 days: USDA review of rural development mission and economic impact adds time compared to faster programs, but the ability to finance $2M-$25M projects with favorable terms justifies the timeline.

SECTION 8: MICHIGAN INDUSTRIES USING USDA RURAL BUSINESS LOANS

Manufacturing (Top USDA B&I Category)

Michigan manufacturing operations in rural and semi-rural areas use USDA B&I loans for:

• Facility purchases and expansions

• Production equipment and automation

• Working capital for growth

• Business acquisitions

Why USDA works for manufacturing:

• Job creation aligns with USDA mission

• Large loan amounts ($5M-$25M) fit major projects

• Comprehensive financing (real estate + equipment + working capital)

• Rural locations throughout Michigan qualify

Example: Automotive supplier in Livingston County financed $12M expansion (new building + equipment + working capital), created 45 jobs.

Food Processing & Agricultural Business

Food processors, agricultural businesses, and ag-related operations use USDA B&I loans for:

• Processing facilities and equipment

• Cold storage and distribution

• Packaging and production lines

• Value-added agricultural processing

USDA strongly favors agricultural and food processing projects that add value to agricultural products and create rural jobs.

Example: Food processing operation in West Michigan financed $8M facility with processing equipment, created 32 jobs processing Michigan-grown produce.

Distribution & Logistics

Distribution centers, warehousing operations, and logistics companies in rural Michigan use USDA B&I for:

• Warehouse purchases and expansions

• Material handling systems

• Fleet and equipment

• Working capital for expansion

Example: Distribution company in mid-Michigan financed $6M warehouse with automated systems, created 28 jobs serving rural Michigan retailers.

Healthcare & Senior Services

Rural healthcare facilities, medical practices, and senior care operations use USDA B&I for:

• Medical facilities and clinics

• Senior care and assisted living

• Equipment and technology

• Facility expansion

Rural healthcare access is a USDA priority, making these projects favorable.

Example: Rural hospital in Northern Michigan financed $15M expansion with new equipment, retained 65 jobs and added 18 new positions.

Value-Added Processing

Businesses that process raw materials into finished products use USDA B&I for:

• Lumber mills and wood processing

• Metal fabrication and processing

• Recycling and waste processing

• Material processing operations

Example: Lumber operation in Upper Peninsula financed $5M sawmill modernization, retained 40 jobs and added 12 new positions.

SECTION 9: MICHIGAN USDA B&I SUCCESS STORIES

Manufacturing Expansion – Livingston County

Business: Precision parts manufacturer, 18 years established, $15M revenue

Challenge: Needed larger facility and modern equipment to handle growing automotive and industrial contracts. Required $10M+ financing that exceeded SBA limits.

Solution: $12M USDA B&I loan

• New facility: $7M

• Equipment: $4M

• Working capital: $1M

• Down payment: $1.5M (12.5%)

• Term: 25 years (real estate), 15 years (equipment), 7 years (working capital)

• Rate: 9.2%

Result: Moved to 80,000 sq ft facility, installed state-of-the-art equipment, revenue grew to $23M in 2 years, created 42 new jobs.

Food Processing – West Michigan

Business: Agricultural processor, 12 years operating, $8M revenue

Challenge: Needed to build modern processing facility to handle increased volume of Michigan-grown produce. Required comprehensive financing for land, building, equipment, and working capital.

Solution: $9M USDA B&I loan

• Land and building: $5M

• Processing equipment: $3M

• Working capital: $1M

• Down payment: $1.2M (13%)

• Term: 30 years (real estate), 15 years (equipment), 7 years (working capital)

• Rate: 8.8%

Result: Built 60,000 sq ft processing facility, tripled processing capacity, added contracts with major retailers, created 35 jobs, strengthened rural Michigan agricultural economy.

Distribution Center – Mid-Michigan

Business: Industrial supply distributor, 15 years established, $12M revenue

Challenge: Operating from leased facilities, needed to consolidate into owned warehouse with modern systems. Project size ($7M) exceeded comfortable SBA limits.

Solution: $7.5M USDA B&I loan

• Warehouse purchase: $4.5M

• Material handling systems: $2M

• Working capital: $1M

• Down payment: $900K (12%)

• Term: 25 years (real estate), 15 years (equipment), 7 years (working capital)

• Rate: 9.5%

Result: Consolidated three leased locations into one owned facility, reduced occupancy costs 40%, doubled inventory capacity, revenue grew to $18M, added 22 jobs.

SECTION 10: USDA RURAL BUSINESS LOANS FAQS – MICHIGAN

How do I know if my Michigan location qualifies as "rural"?

97% of Michigan qualifies. Most areas outside the cores of Detroit, Grand Rapids, Ann Arbor, and Lansing are eligible—including many suburban areas. We verify eligibility for free within 24 hours. Just provide your business address.

What's the minimum loan amount for USDA B&I?

$2 million practical minimum. Below this, SBA 7(a) or conventional loans are typically better fits. USDA B&I shines for $3M-$25M projects.

Can I use USDA B&I for business acquisitions?

Yes, as long as the business being acquired is in a rural Michigan location and you're not relocating jobs from another rural area.

Can I include working capital?

Yes. Unlike SBA 504 loans, USDA B&I loans can include working capital for growth, operations, and expansion.

How long does USDA B&I approval take?

60-90 days typically. Similar to SBA 504, longer than SBA 7(a) due to USDA review process, but worth it for larger loan amounts.

What credit score do I need?

680+ preferred, 650-680 possible with strong business financials and collateral. USDA evaluates the complete financial picture, not just credit scores.

Do I have to create jobs?

Job creation/retention strengthens your application significantly. USDA B&I mission is rural economic development, and jobs are a key measure. You should demonstrate job impact in your application.

Can I refinance existing debt?

Yes, debt refinancing is allowed with USDA B&I loans if it strengthens the business and supports growth. Cannot refinance existing USDA debt with new USDA debt.

What if SBA declined my loan?

USDA B&I loans have different criteria and different lenders. An SBA decline doesn't mean USDA will decline. If your project is large ($2M+) and in rural Michigan, USDA B&I may be a better fit.

Can startups get USDA B&I loans?

Very difficult. USDA strongly prefers established businesses with operating history. Startups need exceptional circumstances, experienced management, and typically 25%+ equity.

SECTION 11: READY TO FINANCE YOUR RURAL MICHIGAN BUSINESS GROWTH?

If your Michigan business is in a rural or semi-rural area and you need $2M-$25M for expansion, equipment, real estate, or acquisitions, USDA Business & Industry loans provide the capital you need with competitive rates and favorable terms.

Stop limiting your growth because you think you're "too big" for SBA loans or don't qualify for conventional financing.

USDA B&I loans were created specifically for businesses like yours—established operations in rural Michigan that need substantial capital to grow, create jobs, and strengthen their communities.

Get Started:

📞 Call: (855) 998-5874
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✉️ Email: hello@sbaloansmichigan.com
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📝 Fill Out Form Above
Free eligibility check and quote in 24 hours

Within 24 hours:
✓ Know if your location qualifies
✓ Preliminary project assessment
✓ Estimated structure and terms
✓ Timeline and next steps

Within 60-90 days: You're funded and growing.

USDA Business & Industry loans provide Michigan businesses in rural and semi-rural areas with $2M-$25M in financing for growth, expansion, equipment, real estate, and job creation. With 97% of Michigan qualifying as "rural" under USDA guidelines, most Michigan businesses outside major urban cores are eligible for this powerful financing program.

Based in Metro Detroit and serving rural Michigan businesses statewide, SBA Loans Michigan specializes in helping Michigan businesses navigate the USDA B&I loan process—from eligibility verification through funding. We work with USDA-approved lenders nationwide who understand rural development financing and close deals efficiently.

Over 20 years, we've facilitated over $1 billion in business financing for more than 10,000 companies, with deep expertise in manufacturing, food processing, distribution, and rural business development throughout Michigan.

Whether you're in Northern Michigan, the Upper Peninsula, West Michigan, Mid-Michigan, or rural Southeast Michigan, we understand your market and can help you secure the USDA B&I financing you need to grow your business and create jobs in rural Michigan communities.

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