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.
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
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
We Help Businesses Think Big
Whether you’re looking to expand, refinance, or buy fixed assets, 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..
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.
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.
Testimonials
see what our clients we've loaned have to say...
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"Working with roynat capitol bank has been a game changer for my business. Their tailored financing solutions and expert guidance made the process seamless. Thanks to their support, we’ve been able to expand and seize new opportunities. I highly recommend them to any business owner looking for reliable financial partnership!"
sara malik
business owner
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"Working with roynat capitol bank has truly transformed our family's financial situation. Their personalized loan options and expert support made the process so easy. Thanks to their guidance, we’ve been able to achieve our goals and create new opportunities for our family. I highly recommend them to anyone seeking a trustworthy financial partner!"
esther William
mom
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"Partnering with roynat capitol bank has been a game changer for my restaurant. Their customized financing solutions and knowledgeable guidance made securing the funds I needed a breeze. With their support, I was able to renovate my space and expand my menu, attracting more customers than ever. I wholeheartedly recommend them to any restaurant owner looking for a reliable financial partner!"
john richardson
restuarant owner
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"Working with roynat capitol bank has been a turning point for my landscaping business. Their tailored financing solutions and expert advice made the loan process straightforward and hassle-free. Thanks to their support, I was able to invest in new equipment and expand my service offerings, allowing me to take on bigger projects. I highly recommend them to any landscape professional looking for a dependable financial partner!"
smith abracht
landscape worker
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"roynat capitol bank has been instrumental in the growth of my landscaping business. Their personalized financing options and expert support helped me navigate the loan process with ease. With their assistance, I was able to upgrade my tools and expand my team, which has significantly boosted my business. I highly recommend them to any landscape contractor seeking a trustworthy financial partner!"
sue louis
landscape worker
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"Partnering with roynat capitol bank has been a fantastic experience for my pet shop. Their customized financing solutions and friendly guidance made it easy to secure the funding I needed to expand my inventory and improve the store layout. Thanks to their support, I've been able to attract more customers and provide even better services for pet lovers. I highly recommend them to any pet shop owner looking for a reliable financial partner!"
beth greg
pet shop owner
Frequently Asked Questions
Contact a member of the SBA Lending team for assistance.
roynat capitol bank is a regional community bank headquartered in Fuquay-Varina, North Carolina.
Yes. roynat capitol bank was named a Preferred SBA Lender in December 2021. This premier designation enables us to streamline the loan process for our borrowers as well as approve and close the loan more quickly than some of our competitors.
roynat capitol bank provides SBA and USDA loan solutions across a national footprint. We can help customers across the United States with their SBA and USDA lending needs.
Every member of the roynat capitol bank SBA Lending team has extensive experience in SBA and USDA lending. Also, we are an SBA Preferred Lender which streamlines the entire lending process and saves you time.
To start the loan process, you will need to gather personal and business tax returns for the past three years, year-to-date financials for the business, a purchase contract for an acquisition or copies of notes to refinance, and a business plan or projections for an expansion. Other documents may be required depending on the loan.
We typically process and close SBA loans within 30 to 60 days.
We offer SBA 7a loans, Express Lines of Credit, SBA 504 loans, and USDA Business and Industry loans.
Yes. roynat capitol bank has provided SBA loans to several start up entities where the owner has relevant industry experience, strong personal liquidity, and a solid business plan.
Yes. The Bank is an active lender for all SBA products in the franchise sector and is a preferred lender with several national franchises.