Funding Solutions
Spear Consultants specializes in helping clients navigate government funding programs. We focus on USDA and SBA loan programs that provide favorable terms for qualifying projects.
USDA Loans
USDA Rural Development programs offer vital funding for projects that enhance rural communities, including:
- Community Facilities (CF) Program
- Business & Industry (B&I) Program
SBA Loans
The Small Business Administration (SBA) offers loan programs to help small businesses start, grow, and succeed, including:
- 7(a) Loan Program - versatile financing up to $5M
Loan Program Comparison
| Feature | USDA Community Facilities (CF) | USDA Business & Industry (B&I) | SBA 7(a) |
|---|---|---|---|
| Interest Rate | 2.25% - 3.5% | 2.5% - 3.75% | 5% - 10% |
| Term Length | Up to 40 years | Up to 30 years | Up to 25 years |
| Loan Amount | $100K - $50M+ | $100K - $25M | Up to $5M |