USDA LOANS

Government-backed financing for rural businesses.

USDA loans can help eligible rural businesses access financing for growth, expansion, equipment purchases, real estate, and more.

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USDA Guaranteed Loans
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Rural Business Financing
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Flexible Use of Funds
USDA loans for rural businesses
WHY INCREDIBLEBANK

Helping rural businesses move forward.

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Government-Backed Financing

USDA loan guarantees can help businesses access financing that may not otherwise be available.

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Flexible Funding Options

Funds can be used for real estate, equipment, inventory, expansion projects, and more.

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Local Lending Expertise

Work with lenders who understand your business and can help determine whether a USDA loan is the right fit.

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Support for Rural Communities

Designed to encourage business growth, job creation, and economic development in rural areas.

HOW IT WORKS

Financing backed by the USDA.

USDA loans combine local lending expertise with government-backed guarantees to help qualifying businesses secure financing.

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GETTING STARTED IS STRAIGHTFORWARD

From first conversation to funding.

Whether you're investing in facilities, equipment, or future growth, we'll help you navigate the USDA lending process and identify a financing solution that supports your business goals.

Starting a business loan inquiry, step 1
1
Tell us about your business

Share information about your business, location, and financing goals.

Opening a personal account, step 1
2
Review Eligibility

We'll help determine whether USDA financing is available for your project.

Starting a business loan inquiry, step 2
3
Provide Financial Information

Gather the documentation needed to support your application.

Starting a business loan inquiry, step 3
4
Secure Financing

Complete the process and move forward with funding designed to support growth.

DO I QUALIFY?

A USDA loan may be a good fit if you:

Businesses located in communities with populations under 50,000 may qualify.

Finance growth initiatives, facility improvements, or business modernization projects.

Use funds for equipment purchases, machinery, supplies, or inventory needs.

Support land purchases, development projects, and other qualifying real estate needs.

OUR BUSINESS BANKERS

Meet Our Business Lending Team

Whether you're purchasing equipment, investing in property, or planning for growth, our lenders can help explore available USDA financing options.

Select a location
National
Florida
Michigan
Wisconsin
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Christian Palomaki
VP, Business Banking Officer
Marquette, MI
T: 
906-273-2611
E: 
cpalomaki@incrediblebank.com
Michigan
Michelle Sellers
VP, Business Banking Officer
Marquette, MI
T: 
906-273-2618
E: 
msellers@incrediblebank.com
Michigan
Noah Baryenbruch
VP, Business Banking Officer
Middleton, WI
T: 
608-203-9815
E: 
nbaryenbruch@incrediblebank.com
Wisconsin
Andrew Erdman
Business Banking Associate
Eastern U.S. — Based in Wausau, WI
T: 
715-224-3788
E: 
aerdman@incrediblebank.com
Wisconsin
Matt Hammes
VP, Business Banking Officer
Minocqua, WI
T: 
715-358-9322
E: 
mhammes@incrediblebank.com
Wisconsin
Adam Keuler
VP, Business Banking Sales Manager
Wausau, WI
T: 
715-348-1453
E: 
akeuler@incrediblebank.com
Wisconsin
Ryan McEnroe
VP, Business Banking Officer
Western U.S. — Based in Minocqua, WI
T: 
715-358-9324
E: 
rmcenroe@incrediblebank.com
Wisconsin
Erik Thompson
VP, Business Banking Officer
Wausau, WI
T: 
715-348-1513
E: 
ethompson@incrediblebank.com
Wisconsin
Travis Turnquist
VP, Business Banking Officer
Middleton, WI
T: 
608-203-9822
E: 
tturnquist@incrediblebank.com
Wisconsin
Rob Wyman
VP, Business Banking Officer
Weston, WI
T: 
715-843-1704
E: 
rwyman@incrediblebank.com
Wisconsin
Desiree Howe
VP, Business Banking Officer
Cape Coral, FL
T: 
715-348-1513
E: 
dhowe@incrediblebank.com
Florida
Jake Trucco
VP, Business Banking Officer
National
T: 
906-273-2617
E: 
jtrucco@incrediblebank.com
National
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OUR DIFFERENCE

Why businesses finance with IncredibleBank.

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Local Decisions. Real Partnership.

Work with lenders who take the time to understand your business, your goals, and your community.

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Government-Backed Opportunities

We help businesses navigate USDA financing programs and identify available funding options.

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Financing That Supports Growth

From equipment purchases to facility improvements, we'll help structure financing around your plans.

RESOURCES & INSIGHTS

Know more. Decide better.

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Business Resource Center

Explore articles, insights, and practical guidance on cash flow management, fraud prevention, treasury services, and business growth.

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Financial Calculators

Estimate payments, evaluate financing options, and plan for future business needs.

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Find a Branch

Connect with a local banker, schedule an appointment, or visit one of our locations in Wisconsin, Michigan, or Florida.

Common Questions

Frequently Asked Questions

You might find what you’re looking for right here.

A USDA loan is a government-backed financing program designed to support eligible businesses operating in rural communities.

Generally, businesses located in communities or areas with populations under 50,000 may qualify.

Funds may be used for business expansion, land purchases, equipment, inventory, leasehold improvements, refinancing, and certain acquisition opportunities.

Yes. Existing debt may be refinanced if program requirements are met, including certain job creation or retention criteria.

Our lenders can review your business location, project details, and financing needs to help determine eligibility.

Talk with one of our business lenders to discuss your project and determine whether USDA financing is available.

Ready to experience Incredible?

IncredibleBank grew from entrepreneurial roots into a nationally recognized bank—but one thing hasn't changed: our commitment to being Incredible for our customers, communities, and team members.