A USDA loan is administered by the Rural Business Cooperative Service (RBCS), an agency within the USDA’s Rural Development mission area. The purpose of the B&I program is to develop businesses and industries that will grow employment and improve the economic and environmental climate of rural communities*. This purpose is achieved by bolstering the existing private credit structure through the guarantee of quality loans that will provide lasting community benefits.   There are very few lenders that can approve and administer USDA loans. We have access to those selected few.   *Rural communities are defined as having a population of < 50k or any urbanized area contiguous and adjacent to a city or town with a population > 50k