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USDA Loans (B&I)

USDA Loans with Centric give companies in rural areas the opportunity to receive a loan
with favorable rates and terms, that might not otherwise be available.



  • Designed for the needs of small businesses located in qualifying rural areas*
  • Eligible uses include but are not limited to:
    • Business conversion, enlargement, repair, modernization, or development
    • Purchase and development of land, easements, rights-of-way, buildings, or facilities
    • Purchase of equipment, leasehold improvements, machinery, supplies, or inventory
    • Debt refinancing when new jobs will be created and other conditions are met
    • Business and industrial acquisitions when the loan will keep the business from closing and/or save or create jobs
  • Available in loan amounts up to $25 million
  • Backed by the United States Department of Agriculture (USDA)
  • Loan terms between 7 and 30 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Flexible terms



Subject to credit approval. Terms and conditions may apply. Membership eligibility required. Not all applicants will qualify for credit.

*Qualifying rural areas as defined by the USDA.


Email addresses are not a secure means of communication. Do not send personal information (account number, date of birth, social security number, inquiries about your account, or request changes to your account). Contact Us to send that information securely.

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Matt Waldroup
SVP, Business Services
NMLS #1178014

Erica Wheelis
Business Lending Assistant
Thomas Rd. | West Monroe
NMLS #732756

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Patrick May
VP | Business Services
Thomas Rd. | West Monroe
NMLS #1152768

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Matt Wise
VP | Business Services
MidCity | Monroe
NMLS #2561721

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Kalynda Cook
AVP | Treasury Management
MidCity | Monroe

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