Interested in a USDA Loan?
$1,000 to $25 Million
-
Rates Start at 5%
-
Monthly Payments
-
Short and Long-Term Loans
-
Flexible Underwriting
-
Most Businesses Eligible
-
Sole Proprietors are OK
-
Unrestricted Working Capital
-
Start-Up Financing Available
-
No or Low Collateral
-
High LTV Financing
-
Nationwide + Rural Locations
What USDA financing is
USDA Rural Development programs channel government-backed capital into eligible rural areas to support housing, business, and community development. Like the SBA, USDA largely works through loan guarantees that let partner lenders extend longer terms and higher loan-to-value than they otherwise could — the trade-off is that both the property location and, for some programs, borrower income must meet USDA criteria.
The programs that matter to investors and operators
- USDA Business & Industry (B&I) — guarantees for rural business acquisition, expansion, real estate, and equipment, with terms up to 30 years on real estate.
- USDA Single-Family Housing Guaranteed/Direct — owner-occupied rural housing with little-to-no down payment (not for investment rentals).
- Community Facilities and energy programs — for qualifying rural infrastructure and renewable projects.
Eligibility basics
- The property must sit in a USDA-eligible rural area — check the address against USDA’s eligibility map before you plan around it.
- Income limits apply to the housing programs (typically tied to area median income); business programs key off project and location instead.
- Demonstrated repayment ability and reasonable equity, as with any guaranteed loan.
How USDA compares to SBA and asset-based financing
USDA’s edge is geography: in qualifying rural markets it can beat conventional terms on rate and amortization. Its limits are the rural-area requirement and, for housing, owner-occupancy and income caps. For non-owner-occupied investment deals — rural fix-and-flips or rental holds — an asset-based hard money or DSCR loan is usually faster and has no income or occupancy test. Send us the property and goal and we’ll match it to the right program.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.
Click Here to Review our Privacy Policy and Click Here to Review our Terms of Service
Click Here to Read our FAQs
Jaken Finance Group, 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196