Get your USDA Business Plan that is fully compliant with their requirements

OGS business plans helped our customers attract $460m via USDA programs

What is a USDA Business Plan?

USDA also known as United States Department of Agriculture is a federal agency that supports agriculture and rural development. USDA gives diverse programs assisting farmers, ranchers, co-ops, companies, and communities prosper in countryside areas, and aids enterprises working in rural zones by providing loan guarantee, grant, and any other assistance. However, before applying for a USDA loan guarantee or grant, you need a USDA Business Plan that showcases your business goals, strategies, and potential.

Why Us?

Need help with your USDA business plan? At OGSCapital, our proven methodology has secured backing for thousands of entrepreneurs to turn ideas into funded ventures. We become an extension of your team, collaborating to position your business for success. With decades of combined experience, we know what the USDA looks for and how to showcase your value strategically in your USDA business plan. Here are some of the reasons why you should choose OGSCapital for your USDA business plan:

  • 1

    Our Expertise

    With decades of experience in agriculture and rural development, we understand your business opportunities and challenges better than anyone

  • 2

    Our Proven Track Record

    We’ve already helped to secure over $460m in financing for entrepreneurs via USDA programs

  • 3

    Our Strategic Approach

    We take the time to deeply understand your goals, story, and value proposition. Using those insights, we craft customized plans optimized to meet USDA criteria.

  • 4

    Our Efficient Process

    Our streamlined approach delivers high-quality, confidential plans faster than anyone else.

  • 5

    Guaranteed Satisfaction

    We stand behind our work, delivering plans optimized to meet USDA criteria, so you get funded.

Our solution

Our thorough and sophisticated business plan will get you the USDA farm loan you need.

USDA Business Plan:

  • Users:   USDA

  • Document size:  35-50 pages

  • Timeframe:   16-21 days

  • Graphic design:  included

  • Assigned team:   3 senior consultants, including a project lead

  • Rush Delivery Service:  Available

Document contents:
  • Executive Summary
  • Market Research
  • Marketing Strategies
  • Financial Plan
  • Business Model
  • Competitor Analysis
  • Sources and Usage



What does the USDA include?

USDA includes various services for rural communities and agricultural companies, including farm loans, grants, loan guarantees, crop insurance, technical training, and more. These programs help foster the success and development of agricultural producers and rural small businesses.


Which agriculture business is most profitable?

Value-added agriculture that processes raw commodities into modified consumer products. This offers higher profit potential compared to selling unmodified crops or livestock.


How do I start an agro company?

Research your market thoroughly and develop a comprehensive USDA family farm loan business plan conveying your expertise. Then, leverage USDA funding programs like farm loans, grants, and guarantees to successfully obtain startup capital and launch.

How it works

OGScapital will help you build a tailored business plan that will be a perfect fityou’re your needs.

Your USDA Business Plan is just 4 steps away:

Step 1

Fill in the contact form online

Step 2
Our expert will get in touch and discuss your needs with you.
Step 3

We will do the research and, within 10-12 days, we will draft a business plan

Step 4

After your full satisfaction, we will issue the final version of your USDA Business Plan.

Payment methods: wire transfer and debit/credit card

Any questions? Get in Touch!

    About us

    OGScapital was established in 2006 with a focus on providing business plan services for fundraising purposes. Our business plan consultants all have 15+ year industry and investment banking experience, and the OGS team has helped to attract more than $1.5bln of debt financing for our customers.


    OGScapital has been serving customers since 2006


    Our business plans have helped attract $1.5bln+ in SBA loans and debt financing


    Our team members have prepared documents in 42+ industries.


    Our track record includes 5,000+ happy clients from all over the world


    Our team includes 60 consultants


    OGScapital regularly cooperates with 45 loan and financial advisors


    We take clients satisfaction extremely seriously, trying to exceed all of our clients’ expectations.

    OGScapital has a 9.5/10 Trustpilot score

    Loga Mathangi


    Highly Efficient Service

    Highly Efficient Service! I am incredibly happy with the outcome; Alex and his team are highly efficient professionals with a diverse bank of knowledge.

    ∙ Loga Mathangi

    Renee M.


    Great Work!!

    Had the pleasure of working with Alex on a business plan for a new venture. The end result looks very professional. His communication is always prompt and he was very patient with my detailed requests. I would definitely work with this company in the future.

    ∙ Renee M.

    Franck Boursier


    Great Service

    Great Service. On point and on time!

    ∙ Franck Boursier



    Amazing service

    Amazing service. Very happy

    ∙ Leeya


    Awesome job!

    ∙ Elizabeth



    Very Helpful in preparing

    I found OGS Capital very responsive and helpful in preparing a business plan.

    ∙ Colin

    Cisco Schipperheijn


    Business Plan Request

    Diamond Sun Labs, Inc. The key to any successful business can be found in its employees. The staff at OGS Capital performed beyond our expectations, the Business Plan delivered in depth analysis and was professionally composed. All of this was accomplished on time and budget. We would not only recommend there service, we will further be engaging them in future projects. Incredible Job, Thank You

    ∙ Cisco Schipperheijn



    Extremely recommended.

    Alex is very talented and creative. He is very dedicated and work with you with so much support. Always answers your questions even if it is after work hours. Deliver outstanding and professional results. On time and great work didn’t even need to make any changes to the work he delivered. Thank you so much for making the first step of my dream come true.

    ∙ Sarah

    Our clients

    More than 5,000 companies have used OGScapital’s services.

    African Energy Distributor
    Lyndon Energy
    Global Impact
    The Smugglers Inn
    Baggage Freight
    ContinEight Group Corp.
    Real Estate Company
    Precision Science
    Panama Wildlife Corp.
    Tiger City
    Manatee Holdings LTD
    FOX Models
    Einstein HR
    Destinations USA
    Saleem Technologies
    888 Markets
    Vertical Studio
    Pure Loyalty
    Pronto Hotel
    Flip Flop Shops
    Waves Coffee House
    Sylvan Learning
    Blaze Pizza
    Twin Peaks
    Heavy Rus Cargo
    Go Kin
    Gat Patch
    Diamond Sun Labs
    Strawberry Star
    Ayurveda Service

    Any questions? Get in Touch!

      Business plan for a USDA

      A USDA business plan details your rural business concept, market research, money forecasts, management, and operations. It displays how your business matches USDA’s rural growth aims like making jobs, bettering infrastructure, enhancing food safety, or pushing renewable power.

      A USDA business plan is required for most USDA loan and grant programs, such as the Business and Industry (B&I) Loan Guarantee Program, the Intermediary Relending Program (IRP), or the Rural Microentrepreneur Assistance Program (RMAP). These programs provide loan guarantees, direct loans, or grants to rural companies that fulfill specific eligibility needs.

      A USDA business plan can assist you:

      Elucidate your business vision and goals

      Pinpoint your target market and competitive edge

      Approximate your startup costs and revenue flows

      Devise your marketing and sales tactics

      Evaluate your financial needs and risks

      Convey your business value proposal to lenders and investors

      Track your progress and performance

      USDA Business Plan Template

      A USDA business plan template is a tool helping rural business owners make a thorough and professional business plan for their USDA loan or grant request. Tools like USDA business plan template and USDA farm business plan worksheet can guide what information to include in each business plan section, as well as examples and tips on how to write a USDA business plan for farm loan effectively.

      Some of the benefits of using a USDA business plan template are:

      •   Save time and effort by providing a clear and consistent format for the business plan.

      •   Help to avoid common mistakes and omissions that could jeopardize the approval of the loan or grant.

      •   Demonstrate the business owner’s commitment and preparedness to the USDA and other stakeholders.

      •   Increase the chances of securing funding and achieving success for the rural business.

      A USDA business plan typically consists of the following sections:
      • Executive Summary
      • Business Description
      • Market Analysis
      • Financial Plan

      Executive Summary

      The executive summary section briefly overviews the business concept, goals, products/services, market opportunity, competitive edge, financial highlights, and USDA funding request. The summary makes a compelling, concise case for the business and funding request. It highlights alignment with USDA rural development objectives in under two pages. It covers:

      • Business name, location, structure, ownership

      • Purpose, vision, mission, values

      • Product/service benefits and features

      • Target customers and needs

      • Competitors and competitive advantages

      • Goals and metrics

      • Startup costs, revenue, expenses

      • Funding needs and uses

      • Contributions to rural economy and USDA goals

      Business Description

      The business description section provides background on the business history, structure, operations, and legal aspects. It provides pertinent details showing comprehension of the business setting, industry dynamics, and potential opportunities. It including:

      • Start date and motivation

      • Legal form and ownership

      • Management roles and responsibilities

      • Required licenses, permits, regulations

      • Facilities, equipment, technology, inventory

      • Industry size, outlook, growth, drivers, barriers, regulations

      • Target market segments and niches

      Market Analysis

      The market analysis analyzes the target market, customer profile, behavior, and competitive landscape. The analysis shows a clear grasp of the target customers and market. It displays a viable, sustainable competitive edge and marketing/sales tactics. It covers:

      • Target customer demographics, geographics, psychographics, behaviors

      • Market size and growth potential

      • Market segmentation, needs, preferences, pain points

      • Customer acquisition, retention, satisfaction tactics

      • Pricing tactics and methods

      • Promotion tactics and channels

      • Distribution tactics and channels

      • Customer service tactics and standards

      • Competitor identification and analysis

      • Competitive differentiation and unique selling points

      Financial Plan

      The financial plan section presents your business’s financial projections, assumptions, and analysis. The financial plan indicates the amount of USDA funding requested and what it will be used for. It outlines the loan repayment schedule. It includes:

      • Income Statement – Projects revenue, COGS, OPEX, and profit margins for the next 3-5 years.

      • Balance Sheet – Projects assets, liabilities, and equity for the next 3-5 years.

      • Cash Flow Statement – Projects cash inflows and outflows for the next 3-5 years.

      • Break-Even Analysis – Indicates the break-even point and how long it will take.

      • Sensitivity Analysis – Shows how sensitive the business is to changes in key variables like sales volume, price, cost, and interest rate.

      The projections demonstrate a realistic, feasible financial model to generate revenue, cover costs, loan repayment, and manage potential risks and uncertainties. The plan answers key financial questions and shows the business can repay the USDA loan. Refer to our loan officer business plan for more information.

      Applying for a USDA Commercial Loan

      A USDA commercial loan is a guarantee the USDA offers through its Business and Industry (B&I) Loan Guarantee Program. This program aims to improve rural areas’ economic and environmental climate by supporting businesses that create or save jobs and provide essential services. A USDA commercial loan can be used for various purposes, such as:

      • Business conversion, enlargement, repair, modernization, or development

      • Purchase and development of land, buildings, or infrastructure

      • Purchase and installation of machinery or equipment

      • Working capital

      • Debt refinancing

      • Business acquisition


      To apply for a USDA commercial loan, a rural business owner must find an eligible lender participating in the B&I Loan Guarantee Program. The lender will then submit an application package to the USDA on behalf of the borrower.

      Here are the key items for the B&I Complete Application Checklist:

      • SAM registration and Unique Entity Identifier (UEI)
      • Form RD 5001-1 “Application for Loan Guarantee”
      • Written credit evaluation and Lender’s Credit Evaluation Checklist
      • Environmental review information per §5001.207 and 7 $ Part 1970:
        • Phase 1 assessments
        • Flood hazard forms
        • Other items required for review
      • Required financial statements:
        • Current and historical statements of borrowers and guarantors
        • Projected financial statements and assumptions
        • Pro forma balance sheet
      • Current credit reports
      • Draft loan agreement (for requests $600k+)
      • Loan classification and credit risk rating
      • Real Estate Appraisals per §5001.203(c)
      • Feasibility study if required by Agency (Refer to Appendix A to Subpart D of Part 5001)
      • Business plan unless contained in feasibility study/credit evaluation
      • Organizational documents and charts
      • Form RD 5001-12 for loans >$1M increasing employment
      • Form HUD-935.2A for 5+ residential units
      • SEC Form 10-K, if applicable
      • Certificate of need for healthcare facilities, if required
      • Intergovernmental consultation comments per 2 CFR part 415
      • Form RD 5001-2 or 5001-2a
      USDA Commercial Loan

      The USDA reviews the application to ensure:

      • Borrower is a U.S. citizen or legal resident

      • Project is in a rural area with population under 50,000

      • Project creates/saves jobs or provides essential services

      • Borrower has sufficient equity, cash flow, and collateral

      • Loan amount is within the limit (up to $25M, or $40M for some projects)

      • Loan term is within the limit (up to 30 years real estate, 15 machinery/equipment, 7 working capital)

      • Interest rate is negotiated and USDA-approved

      • Guarantee fee is paid per USDA approval

      If approved, USDA issues a conditional commitment specifying loan terms. The lender closes the loan, disburses funds, and receives a 90% loan guarantee from USDA.

      How Do I Pay Back My USDA Loan?

      The repayment of a USDA loan depends on the terms and conditions agreed upon by the borrower and the lender. The borrower is responsible for making regular monthly payments to the lender until the loan is fully paid off. The borrower can also choose to prepay the loan without penalty unless otherwise specified by the lender.
      The borrower can use various methods to pay back their USDA loan, such as:

      • 1

        Online payment

        You can make your mortgage payment online by logging in to your account and clicking “Make A Payment.” You must provide your bank routing number, bank account number, type of account (checking or savings), and payment amount. Payments made after 7:30 p.m. Central Time will be posted the following business day.

      • 2

        Payment by phone

        You can pay by calling 1-800-414-1226 and selecting Option 1. You must enter your mortgage account number, social security number, bank account number, bank routing number, payment amount, and type of account (checking or savings) using a touch-tone phone.

      • 3

        Customer service assisted payment

        You can make your payment with the assistance of a customer service representative by calling 1-800-414-1226 or 1-800-438-1832 (TDD/TTY Hearing Impaired Only) between the hours of 7 a.m. and 5 p.m. Central Time, Monday through Friday. You will need your mortgage account number, social security number, bank routing number, bank account number, type of account, and payment amount.

      • 4

        Checks or money orders

        You can mail your payment to USDA/Rural Development, PO BOX 790170, St. Louis, MO 63179-0170. If your account is bankrupt, mail your payment to USDA/Rural Development, PO BOX 790190, St. Louis, MO 63179-0190. Please make sure to write your mortgage account number on your check.

      • 5

        Pre-authorized debit

        You can schedule a date of the month on which your payment is automatically transferred from your checking or savings account to the USDA. You must sign Form RD 3550-28 (Authorization Agreement for Preauthorized Payments) and provide a voided check or deposit slip.

      • 6

        Western Union Quick Collect

        You can make payment in cash at any Western Union location. You can call 1-800-325-6000 to find the Quick Collect office. You need to provide your name, address, phone number, mortgage account number, company name (USDA/RHS), code city (USDARURAL), and state (MO). This service has a fee, and Western Union only accepts cash.

      • 7


        You can make payments in cash at any MoneyGram location. You can call 1-800-926-9400 to find the closest MoneyGram office. You need to provide your name, address, phone number, mortgage account number, receive code (16345), company name (USDA Rural Development), city (St Louis), and state (MO). There is a fee for this service.

      OGSCapital Can Help You Write a Winning USDA Business Plan

      Don’t hesitate to contact us today and get started on your USDA agriculture business plan. Schedule a free consultation with our SBA business plan consultant. Let us help you turn your rural business idea into a reality!

      Content on page reviewed by:

      Alex Silensky – co-owner of the leading business consultant firm OGS Capital.



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