Lending
Programs
USDA, FSA, and Conventional Lending Programs
Welcome to FCI – Financial Consulting, your trusted partner for commercial and agricultural lending options in Oklahoma, Texas, Arkansas, Kansas, and Missouri. With our extensive expertise in Government Backed, Conventional, and Blended Loan Products, including USDA Rural Development and Farm Service Agency programs, we provide tailor made solutions to meet your specific needs. As tenured professionals in the field, we are well-versed in various loan products such as ABL lines, Factoring, and a range of other specialized lending programs. Let us guide you towards business growth and help you secure the financing you neeed. Explore our comprehensive lending options today.
U.S. Dept of Agriculture (USDA) Loan Programs
Looking to boost your cash position and enhance your cash flow? Explore the benefits of USDA loans. Our team often recommends USDA loans to our Rural Business Owners due to their longer repayment terms, potentially lower interest rates, and even the option for fixed rates. With the U.S. Department of Agriculture Rural Development’s business programs, we can get the USDA financial backing that banks need to lend to rural businesses. By preparing loan guarantees, USDA stimulates growth in underserved rural communities. Whether it’s a community of less than 50,000 in population or certain pockets within larger communities. These programs aim to provide capital for land, building, and equipment purchases or refinancing, while giving lenders an impressive 80% government guarantee on financing up to $25 million. The USDA backing allows banks to lend more money to key businesses in rural communities. At Financial Consulting, Inc., we understand this program and can guide you through the entire process.
USDA B&I Loans
Looking to grow your business in rural America? FCI – Financial Consulting is here to help. With the USDA Business & Industry Guaranteed Loan Program, we can get you the financing you need to create or save jobs in rural communities. USDA’s maximum loan amount is $25 million, and we work with scores of lenders that offer competitive rates and flexible terms. Whether you’re in manufacturing, hospitality, telecom, or any other eligible industry, our loans can be used for startup costs, working capital, construction, real estate, supplies, and more. Get started today by contacting us via email or phone. Let us be your trusted financial partner for commercial and agricultural lending options in Oklahoma, Texas, Arkansas, Kansas, Missouri, and a growing number of rural markets across the US.
Maximum Loan Amount: $25 Million
To Be Eligible Businesses Must
Be doing business in a U.S. city or town with a population of less than 50,000 inhabitants, and in some cases business headquarters or with portions of operations in larger MSA’s.
Be able to project positive cash flow.
Be fully collateralized.
Also eligible for this loan are private and publicly traded companies, cooperatives, public bodies, and federally recognized tribes.
Eligible Industries
- Manufacturing
- Hospitality
- Telecom
- Oil and Gas
- Trucking
- Retail Sales
- Meat Processing
- Distribution Centers
- Mining
- And most other businesses
Business & Industry Loans Can Be Used For
- Startup costs
- Working capital
- Construction
- Real Estate
- Supplies
- Business acquisitions
- Machinery
- Equipment
- Debt Refinance and Consolidation
How do I get Started?
Contact us either via email or phone with details about your project to see if it is a good fit for this or another of our many offerings.
USDA CF
Are you a stakeholder in a rural community? Look no further than the USDA Community Facilities Program. With direct loans, loan guarantees, and grants available, USDA can help your community develop and enhance vital community facilities, such as community owned fire departments, assisted living facilities, nursing homes, or other critical facilities. FCI – Financial Consulting Inc, is your trusted partner for the financing of your project. We walk alongside you acting as your guide through the USDA Community Facilities Program and secure the financing you need. Schedule a Consultation Today!
Maximum Loan Amount: $100 Million
To Be Eligible Applicants Must
Be a U.S. public body, federally recognized tribe, or non-profit organization in rural areas of 50,000 residents or less
Community Facilities Loans Can Be Used For
Construction, enlargement, or improvement of essential community facilities in rural areas inlcuding but not limited to:
- Health care facilities & services
- Community services
- Community parks & activities centers
- Public safety facilities
- Equipment related to public safety
- Renewable energy systems
Farm Service Agency (FSA) Loan Programs
At FCI – Financial Consulting, we’re passionate about supporting the agricultural community. Our experienced team, has roots in farming and ranching, understand the unique challenges and opportunities in the industry. We’re here to help you access funds through the Farm Service Agency (FSA) lending programs. With FCI by your side, you can increase your cash position and improve your cash flow with FSA loans. We’ll guide you through the process and help you secure the financing you need for debt consolidation, land purchases, livestock purchases, operating expenses, equipment purchases, and even family living expenses. Trust FCI to be your partner in growing your farming and ranching business.
FSA
Boost your financial outlook and enhance your cash flow with FSA loans. As advocates for farmers and ranchers, we understand the importance of longer repayment terms and potentially lower rates. The Farm Service Agency is dedicated to helping you start, expand, or maintain your family farm. With farm ownership loans, operation loans, equipment loans, and loans for cattle purchases, we provide the financing you need to thrive. Let us be your trusted partner in securing the funding for debt consolidation, land and livestock purchases, operating expenses, equipment acquisitions, and even family living expenses. FCI – Financial Consulting is here to support your agricultural business every step of the way.
Maximum Loan Amount: $2,336,000
To Be Eligible Businesses Must
Eligibility varies depending upon which FSA loan is needed but generally:
All loan applicants must be able to meet the following requirements:
- must not have Federal or State conviction(s) for planting, cultivating, growing, producing, harvesting, storing, trafficking, or possession of controlled substances
- have the legal ability to accept responsibility for the loan obligation
- have an acceptable credit history
- be a United States citizen, non-citizen national or legal resident alien of the United States, including Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and certain former Pacific Trust Territory
- have no previous debt forgiveness by the Agency, including a guarantee loan loss payment
- be unable to obtain sufficient credit elsewhere
- not be delinquent on any Federal debt, other than IRS tax debt, at the time of loan closing
- not be ineligible due to disqualification resulting from Federal Crop Insurance violation
- be able to show sufficient farm managerial experience through education, on-the-job training and/or general farm experience, to assure reasonable prospect of loan repayment ability
- must be the owner-operator of a family farm after loan closing
FArm Service Agency Loans Can Be Used For
- Debt Consolidation
- Land Purchases
- Livestock Purchases
- Livestock and Crop Operating Expenses
- Equipment Purchases
- Operating costs
- Family living expenses
Conventional Loans
Conventional loans play a significant role in the finance industry, many times offering flexible financing options through traditional lending partners. At FCI – Financial Consulting, we have extensive experience working with lending institutions, connecting the best banks with the best clients and programs. We can guide you through the process of acquiring the best financing fit for your specific needs. Banks have an entire team of credit analyist and underwriters working for them and you need someone in your corner to make sure your deal is a good fit for you. Our interest are aligned with our clients needs and we do not atomatically assume that every client needs the same solution, your needs are unique and your financial solution should be as well. Choose FCI as your trusted partner for commercial and agricultural lending in Oklahoma, Texas, Arkansas, Kansas, and Missouri.
Accounts Receivable Financing
Looking to optimize your business’s cash flow? Accounts receivable financing may be the solution you need. At Financial Consulting, Inc., we specialize in helping businesses leverage their outstanding invoices to access short-term funding. Our team of experts will guide you through the process, ensuring you secure the best line limits and highest advance rates, all at the most favorable pricing. With our tailored approach, you can unlock the power of accounts receivable financing and take your business to new heights. Trust Financial Consulting, Inc. for all your commercial and agricultural lending needs in Oklahoma, Texas, Arkansas, Kansas, and Missouri.
ABL Lines of Credit
ABL or “Asset Based Lending” is a game-changer for businesses seeking financial solutions. By utilizing assets such as Accounts Receivable, Inventory, Purchase Orders, Machinery, Equipment, or Commercial Real Estate as collateral, ABL offers a versatile and flexible program. Unlike traditional accounts receivable financing, ABL can be structured as a term loan or as a line of credit, giving you the freedom to choose what works best for your business. The benefits are undeniable, lower rates, increased working capital, the ability to fund business expansion, and quick access to cash. With ABL, your business can thrive and grow. Discover the possibilities with FCI – Financial Consulting, your trusted partner for commercial and agricultural lending options in Oklahoma, Texas, Arkansas, Kansas, and Missouri.
What Our Clients Say
“FCI helped us navigate a challenging project. They are highly responsive and got us to the finish line.”
C. Cole