Uwharrie Bank proudly participates in the USDA Rural Development program, offering financing solutions to support rural small businesses. Through USDA loans and loan guarantees, eligible businesses can access affordable financing options designed to improve economic health and stimulate rural economies.

Key Features

• No Down Payment: Benefit from USDA loans with no down payment requirement, preserving your capital for business operations and growth initiatives.
• Flexible Credit Requirements: Enjoy flexible credit requirements, making it easier for businesses to qualify for financing and pursue their expansion goals.
• Competitive Rates: Access competitive interest rates on USDA loans, ensuring affordable borrowing costs and long-term financial sustainability.

USDA Loan Guarantee Program

The USDA Rural Development program operates loan guarantee programs to facilitate access to business capital for rural small businesses. Through loan guarantees, commercial lenders like Uwharrie Bank can provide more affordable financing options to businesses in eligible rural areas.

Eligibility Requirements

USDA financing is available to businesses located in “rural” areas, typically defined as areas with populations under 50,000. Our team at Uwharrie Bank can assist you in determining your eligibility for USDA financing and guide you through the application process.

At Uwharrie Bank, we are committed to supporting the economic vitality of rural communities through our participation in the USDA Rural Development program. Contact us today at 800.438.6864 to learn more about USDA commercial loans and how we can help you achieve your business objectives.