When most people think of USDA loans they think of farm subsidies and agricultural related products. While providing financial assistance to farmers and ranchers has been the primary mission of the USDA since it was established in recent years, Congress has appropriated product subsidies for loans made to businesses in designated rural communities.

The USDA Business and Industry Loan Guarantee (USDA B&I) product guarantees loans made by Arkansas Capital to businesses to benefit rural areas. The product’s primary purpose is to create and maintain employment and improve the economic and environmental climate in rural Arkansas. Inability to obtain other credit is not a requirement.

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