USDA Guaranteed Loans

Q: Do construction projects require a separate loan?

No, USDA loans are commonly structured as construction-to-permanent financing with conversion at the completion of construction, so one application can cover the full project.

USDA financing, strengthened.

Reach beyond the city limits. Reliable capital can be the difference between plans and progress. Peachtree Group helps access USDA Business & Industry, Community Facilities, and Water & Waste Disposal loans—flexible programs that fuel rural development and essential infrastructure. We pair public-sector support with private-sector expertise, delivering long-term, government-backed financing that helps your business and community grow stronger together.

Why Borrowers Chose Peachtree Group

USDA loan programs are designed to enhance economic development, job creation, and infrastructure in rural areas. Whether you’re financing a new facility, expanding a local business, or investing in critical services like healthcare or utilities, Peachtree Group structures each transaction to maximize leverage, minimize complexity, and align with USDA guidelines.

Up to 100% long-term financing available

Loan amounts up to $25MM (B&I), $50MM (WWD), and $100MM (CF)

No balloon payments or calls on eligible fully amortizing terms

Competitive, fixed-rate or variable-rate options

Ready to Get Started?

Share a few details to help us evaluate your financing needs and eligibility.

Meet your dedicated USDA lending team.

Get program expertise, clear communication, and execution-focused support from start to close.

Tell Us About Your Project

Connect with Peachtree Group’s USDA lending team to discuss your financing objectives.

Frequently Asked Questions

Answers to common questions about USDA financing with Peachtree Group.

What types of projects qualify for USDA financing?

Projects that promote rural business growth, community facilities, or essential infrastructure — such as hospitals, utilities, manufacturing, and local services — typically qualify.

Who is eligible for a USDA loan?

Eligible borrowers include for-profit and non-profit businesses, cooperatives, local governments, and federally recognized Tribes.

How long are USDA loan terms?

Terms can extend up to 40 years for certain programs, offering unmatched stability and predictability.

What does rural mean?

USDA eligible rural areas are those with less than 50,000 in population and not contiguous with another populated area, based on the most recent census.

Can multiple loan programs fund one project?

Yes, loan program types can be combined based on the project use of funds and eligibility.

Do construction projects require a separate loan?

No, USDA loans are structured as construction to permanent financing with conversion at the completion of construction. This means just one loan application is required for the project.

Can interest –only period be included?

Yes, if the business operations support the need for an interest-only period, one can be added.

What’s the difference between USDA Direct and Guaranteed Loans?

USDA direct loans are funded and serviced by USDA for borrowers who can’t get affordable financing elsewhere. USDA guaranteed loans are funded by private lenders, with USDA guaranteeing a portion of the loan to allow longer terms, higher leverage, and more flexible structures for eligible rural projects. Peachtree Group currently only participates in Guaranteed Loans.

Consent Preferences

By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.

Preferences Deny Accept