USDA Business & Industry Loan

Help strengthen your local community by giving your business the tools to be successful. The USDA Business & Industry Loan is an ideal solution for small businesses located in qualifying rural communities. The intent of this program is to save and create jobs in the community.

Grow Your Business and Your Community With a USDA Business & Industry Loan

A government-guaranteed loan program designed to help small businesses located in rural areas get the funding needed to expand or modernize, purchase equipment or inventory, refinance debt, and more! Enjoy competitive rates, affordable payments plans, and flexible terms.

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Federally guaranteed term loans of up to $25 million

Guaranteed by the USDA in areas that are designated as rural with populations of 50,000 or less

Longer loan terms than conventional financing

What can I do with an USDA Business & Industry Loan?

  • Convert, expand, repair, or modernize operations

  • Purchase land, buildings, or associated infrastructure

  • Buy equipment, supplies, or inventory

  • Refinance business debt

  • Fund business acquisition

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What is not eligible to be financed with an USDA Business & Industry Loan?

  • Lines of credit

  • Purchase owner-occupied or rental housing

  • Finance certain types of businesses including but not limited to golf courses, racetracks, and churches

  • Fund agricultural production

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We Help Businesses Think Big

Whether you’re looking to start a new business, expand, or finance partner buyouts, our team of experienced SBA lenders are ready to help.

SBA 7(a)

Expand or modernize your business with an SBA 7(a) loan. Our team of experienced SBA lenders are ready to help you fuel your business.

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SBA 504 Loans

Fuel your business and preserve your working capital with an SBA 504 loan from Fidelity Bank. Our team of experienced SBA lenders are here to help your business grow.

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SBA Express Line of Credit

Whether you are looking to start a new business, expand, or increase cash flow, we offer a variety of convenient and flexible business financing solutions tailored to your business.

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Frequently Asked Questions

We Love Helping Small Businesses

Our Government Guaranteed Lending division has helped business owners across the United States secure funding to start, grow, or expand their small business.

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Green Beagle Lodge

Fidelity Bank has been a treasured business partner in the expansion of the Green Beagle Lodge companies.  We have enjoyed working with them as we’ve built and opened our newest location.

- Tammy Purner & Margy Schmidt
Ascend Eye Center

Fidelity Bank was instrumental in helping us navigate the successful launch of our business. I would highly recommend Fidelity Bank for the banking needs of our community.

- Jiaxi Ding, MD
Redstone Materials

Fidelity Bank’s extensive range of services and unwavering support have provided us with a solid foundation, stability, and confidence in executing our projects.

- Reuben & Russ Radik
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Carolina Lakes Family Dental

Banking with Fidelity Bank helps my business because when I’m dealing with Fidelity I know who I am dealing with.

- Dr. Laurence Mester Jr.
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Elmo’s Clothing

They’re local. Fidelity Bank is a hometown bank and gives great service. They’re personal and help with all our needs.

- Barney Fish
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Once in a Blue Moon Bakery

I would recommend Fidelity Bank because you really get the impression that they want your business to succeed.

- Joe Jones