Access Florida Finance Corporation (AFFC) partners with the United States Department of Agriculture (USDA) to provide rural businesses with loans up to $150,000 (in certain limited cases, $250,000) in the following Florida Counties:
- Calhoun
- Gadsden
- Gulf
- Holmes
- Jackson
- Washington
Any business with 50 or fewer employees and $1 million or less in revenues located in any city with a population of 25,000 or less in any of the above counties can qualify for a USDA Loan. If your business is located in a city of 25,000 or less, but not in one of the above counties, please contact our office to see if there is a way we may help your business get financed.
As part of our organization’s efforts to fulfill our mission, we recognize that many of our borrowers may be considered high-risk to traditional lending institutions. Our loans are designed to to strengthen Florida’s economy by increasing the number of successful small businesses and employment opportunities for rural Floridians and the population in general. To achieve this mission, AFFC provides financing and procurement and technical assistance to rural businesses and entrepreneurs.
AFFC provides loans to rural businesses that can’t obtain capital through banks or credit unions— but that could, if given the proper support, compete successfully in the private sector. We provide Florida’s small business owners with financing through the USDA. More importantly, we give rural businesses a chance to reach their goals and fulfill their potential.
You must have collateral and at least a 600 credit score with five lines of reportable credit in order to be eligible for consideration by AFFC. There can be no waivers on these basic requirements.
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