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USDA bridge loans

Awaiting a loan under the USDA guaranteed program?

Get funds faster with Growth Lending

Bridge the gap between application and approval with a short term bridging loan of $2.5m to $12m*. Get fast access to the capital your business needs and start your growth plans today.

We work collaboratively with your USDA lender to provide funds before the USDA has approved the guarantee. These fast and flexible funds mean that you can start your project quickly, instead of waiting several months for your approval to come through.

We support loans across the full suite of USDA guaranteed business programs including the Agriculture Innovation Center Program, the Business and Industry Guarantee (B&I) programs, the Rural Business Investment Program (RBIP), the Community Facilities Guaranteed Program and the Rural Energy for America Program (REAP).

Why choose Growth Lending for a USDA bridge loan?

Accelerate your growth plans

Secure funds now and get going today, without the delay of waiting for the USDA loan program

Flexible use of funds

Use the cash for the same purposes as your initial application – from acquiring another business to expansion, inventory and upgrading equipment

We work with all USDA lenders

We do not compete with your lender – we work alongside them to provide fast, short-term funds that bridge the gap while you await approval from the USDA


*Option for higher quantum assessed on a case-by-case basis

DRTY Drinks

Matija Pisk


DRTY Drinks

“We have been really impressed with the speed and professionalism of the team at Growth Lending and are excited to work with them further as they support DRTY’s plans for growth.”

Oxbridge Associates

Ben Funnell

Managing Director

Oxbridge Associates

“Growth Lending has provided us with a tailored solution that meets the differing needs of our businesses. The facilities will give us the necessary working capital to grow our business further, enhancing our buying and selling capacity and supporting our expansion plans.”

Jungle Creations

James Evans

Chief Operating and Financial Officer

Jungle Creations

“Growth Lending was able to tailor its offering to Jungle’s requirements. The team was also very knowledgable about our industry and the specific payment intricacies within it.”


How does a USDA bridge loan work?

Growth Lending can accelerate cash ahead of your USDA loan in two different ways:

  1. Your USDA lender has approved your loan and you are waiting for the USDA to provide a guarantee – this takes three to six months, so we bridge the gap
  2. You do not have a USDA lender yet, but need cash to start your project (property purchase, machine equipment) – in this instance we work with a USDA approved lender and bridge the gap until the USDA provides a guarantee

Speak to a member of our USDA bridge lending team:

Or submit an enquiry

Ready to get growth going? Let’s see how we can support you.



Start projects sooner with capital that bridges the gap between USDA application and approval



Get complete visibility of your funding timeline, so you stay in the driving seat



Receive funds quickly

Tell us a little about yourself…

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How much would you like to borrow?

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There are a number of different guaranteed lending schemes supported by the US Department of Agriculture, both for businesses and individuals – the full list of programs can be found here.

Growth Lending supports several of the programs aimed at supporting businesses and these include:

For more information about the specific programs that we support and to find out whether your business qualifies, please get in touch with one of our lending experts.

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Most businesses that have applied for a loan under the USDA guaranteed lending program will be a good fit for a USDA bridge loan.

Loosely, the criteria for a USDA B&I guaranteed loan includes:

  • For profit or non-profit businesses
  • Co-operatives
  • Federally recognised tribes
  • Public bodies
  • Individuals engaged or proposing to engage in a business

If you are in the process of applying for a loan under the USDA guaranteed lending program, it is worth getting in touch with one of lending experts and finding out more about how a USDA bridge loan could sit alongside your application and support your growth plans.

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To apply for a loan under the USDA B&I scheme a business must be located in an eligible area, defined as:

  • Rural areas, not in a city or town, with a population of more than 50,000; or
  • Headquartered in a larger city, as long as the project is located in an eligible rural area

Eligible use of funds include, but are not limited to:

  • Purchase and development of land, buildings and associated infrastructure for commercial or industrial properties
  • Business conversion, enlargement, repair, modernization or development
  • Purchase and installation of machinery and equipment, supplies or inventory
  • Debt refinancing, when such refinancing improves cash flow and creates jobs
  • Business and industrial acquisitions, when the loan will maintain business operations and create or retain jobs

This is not an exhaustive list and you may face additional requirements specific to your USDA lender. If you think you may be a good fit for a USDA loan, reach out to lending experts who will be able to advise on next steps.

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The first step is to get in touch. If you think a USDA bridge loan would be a good fit for your business, you can reach out to a member of our expert lending team or use this form to request a chat.

We can then liaise with your existing USDA lender and obtain the relevant information we need to move things forward.

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USDA B&I is a program which offers guarantees to commercial lenders, designed to support credit-worthy rural businesses obtain much-needed loans to grow their businesses. Improved access to capital for these businesses is part of the USDA’s aim of creating and retaining jobs in rural America.

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USDA REAP provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems, or to make energy efficiency improvements.

Agricultural producers may also apply for loans to invest in new, energy efficient equipment and new systems for agricultural production and processing.

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