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USDA Loans

 

We can help you strengthen your roots with United States Department of Agriculture loan support.

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Your Neighbor in Rural Lending

In rural communities, every business and farm matters. We’re proud to stand beside our agricultural and rural Neighbors, helping them build, grow, and thrive with USDA loan solutions. Whether you're an agribusiness owner ready to expand or a farmer keeping generations of tradition alive, we understand your unique challenges – because we’ve been there, too. 

USDA loans are tailored to meet the diverse needs of small businesses and farming operations in qualifying rural areas. With flexible terms, affordable rates, and local decision-making, we make it easier for you to focus on what matters most – cultivating your success. 

USDA loans are quite diverse:

Business Expansion, Repair, or Modernization

This type of loan helps businesses grow, update, or fix things they need to keep running.

Example: A family-owned meat processing plant must upgrade its refrigeration system to meet new health standards. This loan could cover the cost of the new equipment and installation.

Purchasing and Developing Land, Buildings, or Facilities

This loan helps businesses buy land, build new facilities, or improve existing ones.

Example: A trucking company that hauls feed and grain needs a bigger parking lot and loading dock. The loan could cover the costs of paving and building a storage facility.

Acquiring Equipment, Machinery, Supplies, or Inventory

This loan helps businesses buy the tools and materials they need to operate efficiently.

Example: A small-town auto repair shop wants to buy a new hydraulic lift to service bigger trucks. The loan could help them purchase the equipment.

Refinancing Debt When It Creates or Saves Jobs

This loan helps businesses refinance existing debt if it will allow them to hire more employees or keep their current workers.

Example: A feed store is paying off an expensive business loan. Refinancing at a lower rate would allow it to expand its inventory and hire another worker.

Business or Industrial Acquisitions That Preserve Jobs or Prevent Closures

This loan helps keep businesses open by allowing someone else to buy them instead of shutting them down.

Example: A local restaurant owner is retiring, but a neighbor wants to take over, or a small manufacturer wants to expand in our area. A USDA loan could help someone buy or expand their business, keeping it open for the community to benefit.

 

Whether a small farm, ranch, or rural business, you have options: 
Business & Industry (B&I) Loans for rural businesses
Farm Service Agency (FSA) Loans for farming operations
Farmer Mac Loans for agricultural operations
 
Field of wheat with men shaking hands

Deepen Your Roots with USDA Loan Support

We don’t just lend to our agricultural and rural Neighbors – we stand alongside you. Our team of expert lenders knows the land, the lifestyle, and the challenges you face. We’re here to offer personalized guidance, reliable service, and the financial tools you need to make your rural dreams a reality. 

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Everything you need in a bank plus we are Neighbors Serving Neighbors.
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Neighbor-Approved

For over 20 years, our Neighbors have trusted their Neighbors at Heritage Bank. You can, too.

Financial Empowerment

We take your local dollars and invest them locally with all local decisions. We listen and help instill financial confidence in our Neighbors.

Farmer Focus

We don’t just lend to farmers – we farm, too. Let's cultivate our futures together.
I’m committed to helping our rural Neighbors find the right solutions to keep their land and livelihoods thriving.
JaseGlendenning-2
Jase Glendenning
Vice President - Lending

Let's Grow Together

Ready to explore how a USDA loan can help you build a stronger future? Contact your Neighbors! At Heritage Bank, we’re committed to growing the success of our rural Neighbors – because when you thrive, our community does, too.
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