USDA Loans Backed by the United States Department of Agricultur

USDA Loans

Help Rural America Thrive

Backed by the United States Department of Agriculture, our lenders work with you to keep your business moving forward.

Banner image for USDA Loans from $1,000,000 to $50,000,000

USDA Loans from $1,000,000 to $50,000,000

SouthState's team of experienced lenders understand the needs of today's businesses in rural communities and will help you navigate the loan process every step of the way. USDA loans2 are a great financing option for businesses in rural areas looking to grow or expand.

Use of funds:
  • Acquire an existing business.
  • Purchase or Construct Commercial Real Estate.
  • Refinance Existing Debt.
  • Purchase Equipment and Machinery.
  • Provide Working Capital.
  • Modernization.
  • Purchase Inventory.
Program Details

Program Details

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Loan funds cannot be used for projects located in cities or towns with population of 50,000 or more and not contiguous to an urbanized area of 50,000 of more.


  • USDA 80% guarantee.
  • Varies - depending on the use of proceeds.
  • 10% - 25% balance sheet equity required.
  • Fully amortizing.
  • Eligible businesses include for-profit and not-for-profit entities.


  • Up to 40 years


  • Normally variable from quarterly to 5-year resets.


  • First lien position on assets acquired or financed with loan proceeds.
  • Personal and corporate guarantees required.
  • Life insurance may be required.
Get Started

Get Started

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Give Us a Call

(800) 277-2175
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Come In and Speak to a Banker

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Contact a Banker

Email Us

  1. All loans are subject to credit approval. 

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