North Avenue Capital, LLC

North Avenue Capital is a specialized financing company providing capital to strong, growing businesses through the USDA Rural Development Cooperative.

As of 2020, NAC was named America's #1 USDA Business & Industry Lender. North Avenue Capital is a specialized commercial financing company providing capital to strong, growing businesses through the USDA Rural Development Program.

08/28/2024

🍇 ➡️ 🍷
From grape to glass, North Avenue Capital’s Winery & Vineyard Loan experts come alongside you to understand your business, market, customers, and needs.

👉 Whether your financing needs include equipment, construction, acquisition, or refinancing, our team is here to help you get out of the books and back to your craft. We offer Winery & Vineyard Loans guaranteed by the USDA, through the USDA Business & Industry Loan Program.

With numerous winery loans in our portfolio, see why winemakers across the country continue to choose NAC. 🥂

Learn more about Winery & Vineyard Loans from NAC. ⤵️
https://northavenue.com/industry/winery-vineyard/

08/26/2024

From coast to coast, North Avenue Capital empowers businesses through government-guaranteed lending, providing SBA 7(a) and USDA Rural Development Loans to businesses of all sizes and in all locales. 😎

👉 NAC has provided more than $3️⃣4️⃣ million in funding to rural California businesses while saving/creating 59 jobs. Team NAC has closed three USDA Business & Industry Loans and one USDA Rural Energy for America Program Loan in the Golden State. These closed loans have included two hotels, a winery, and a battery storage facility in California, and NAC is looking to add more to its portfolio.

Learn more about NAC’s unique loan programs. ⤵️
https://northavenue.com/usda-sba-business-loans-a-comparative-overview/

08/22/2024

Solar energy is an increasingly popular way for businesses to reduce their carbon footprint and save money on energy costs. ☀️Through the USDA Rural Energy for America Program (USDA REAP), solar developers can access special government-guaranteed financing to help fund their next project. 👏

👉 North Avenue Capital answers five key questions for solar developers exploring financing options for their solar energy projects. These questions address eligibility, loan amounts, interest rates and terms, and the application process.

Read more on our blog. ⤵️
https://northavenue.com/usda-reap-for-solar-developers/

08/20/2024

We’re proud to serve ALL types of customers nationwide. 🇺🇸

From biomass to solar and wind energy farms and beyond, the USDA Rural Energy for America Program (USDA REAP) provides government-guaranteed financing for all kinds of renewable energy systems. ☀️🌬️

👉 With loans starting at $2 million, North Avenue Capital makes it possible for rural small businesses and agricultural producers to power their sustainability projects with USDA REAP funding.

Learn more. ⤵️
https://northavenue.com/usda-reap-loans/

08/16/2024

Happy National Roller Coaster Day! 🎢

That’s right, we lend to amusement parks too. 🙌

👉 North Avenue Capital offers Family Entertainment Center Loans, which include amusement parks, waterparks, go-kart tracks, etc. 🎟️💦🏎️ Many family entertainment destinations occupy rural locations, which unlocks competitively priced funding through the USDA Business & Industry Loan Program.

Learn more about Family Entertainment Center Loans from NAC. ⤵️
https://northavenue.com/industry/family-entertainment-center/

08/14/2024

North Avenue Capital provides Solar Energy Loans through the USDA Rural Energy for America Program (USDA REAP), which provides competitive financing for renewable energy projects nationwide. ☀️

Whether you are looking to install solar panels on an existing commercial structure or build a solar farm, a USDA REAP Loan from NAC offers competitive rates and up to 30-year terms. 👏

👉 Agricultural producers and rural businesses are eligible to apply for USDA REAP Loans. Funds can be used to purchase renewable energy systems (like building a solar farm) or make energy efficiency improvements.

Learn more about Solar Energy Loans from NAC and let us finance your next solar project. ⤵️
https://northavenue.com/industry/solar-energy/

08/12/2024

When funding community development projects, exploring different financial options is important. That’s why North Avenue Capital put together a guide to help you understand the difference between two key funding opportunities offered by the USDA Community Facilities Program. 🚒📚🏥

👉 Learn about the similarities and differences between USDA CF Guaranteed Loans and USDA CF Grants, and let NAC help you fund your community project.

Read more. ⤵️
https://northavenue.com/usda-cf-loans-vs-grants/

08/08/2024

In today's competitive higher education landscape, rural colleges and universities face unique challenges in maintaining and improving their facilities. Limited resources often mean tough choices between essential updates and expansion projects.

However, there's a powerful tool that many institutions may be overlooking: the USDA Community Facilities Guaranteed Loan Program. Rural colleges can utilize USDA-backed financing to transform their campuses. 🏫📚🏟️

👉 North Avenue Capital’s newest blog explains the USDA CF Guaranteed Loan Program, explores eligible campus improvement projects, and discusses loan program benefits and the application process.

Read more. ⤵️
https://northavenue.com/usda-cf-loans-for-campus-improvements/

08/02/2024

North Avenue Capital proudly offers Solar Energy Loans for rural businesses and agricultural producers nationwide. ☀️

👉 NAC finances renewable energy systems through the USDA Rural Energy for America Program (USDA REAP) with loans starting at $2 million.

• Finance up to 80% of eligible project costs
• High loan amounts – up to $25 million
• Up to 30-year amortization

Learn more about Solar Energy Loans from NAC. ⤵️
https://northavenue.com/industry/solar-energy/

07/30/2024

It’s that time of year, when families soak in the final days of summer with trips to nearby water and amusement parks, movie theaters, arcades, go-kart tracks, etc. 💦🎢🏎️🎳

👉 North Avenue Capital is proud to partner with entertainment centers of all varieties to provide funding to help rural businesses succeed. NAC offers Family Entertainment Center Loans guaranteed by the USDA, through the USDA Business & Industry Loan Program for acquisitions, business expansion, ground-up construction, real estate purchase, machinery & equipment, refinancing, working capital, and more.

We’ve financed a go-kart racing facility along with water and adventure parks, so see for yourself why business owners nationwide keep choosing NAC. 😎

Learn more. ⤵️
https://northavenue.com/industry/family-entertainment-center/

07/25/2024

🔔 It’s still July, but North Avenue Capital takes you back to school with this introductory guide to help you understand USDA REAP financing. 📚

👉 Learn how the USDA Rural Energy for America Program (USDA REAP) supports rural businesses and agricultural producers in adopting renewable energy systems and improving energy efficiency. 🌱 The blog covers program eligibility, loan amounts, qualifying projects, the application process, and program benefits.

Energy is expensive, and small business owners know that all too well. Investing in renewable energy and sustainability projects is also costly, but thankfully, USDA Rural Energy for America Program (USDA REAP) Loans can help. 👏

Read more. ⤵️
https://northavenue.com/usda-rural-energy-for-america-program-loans-101-usda-reap/

07/23/2024

North Avenue Capital offers government-guaranteed loans for renewable energy and sustainability projects nationwide to rural small businesses and agricultural producers through the USDA Rural Energy for America Loan Program (USDA REAP). 😎

👉 USDA REAP Loans benefit businesses located in areas with populations of 50,000 or fewer with loan amounts ranging from $2 million to $25 million and terms up to 30 years!

The USDA REAP Loan Program provides financing solutions for purchasing and installing renewable energy systems or making energy efficiency improvements. Whether you’re looking to build a solar farm or update an old HVAC system and replace energy-inefficient doors and windows, a USDA REAP Loan from NAC could help.

Learn more. ⤵️
https://northavenue.com/usda-reap-loans/

07/19/2024

🔊 North Avenue Capital’s Ed Dwyer, SVP of Servicing and Portfolio Relations, joined the St. Johns County Today Radio Show in St. Augustine and discussed how NAC partners with businesses to fund projects in our home state of Florida, as well as across the country.

👉 At NAC, we offer commercial financing to small businesses nationwide through two government-guaranteed lending programs: the USDA Rural Development Loan Program and the Small Business Administration 7(a) Loan Program.

Learn more about NAC’s commercial loan offerings and find the right fit for your business. ⤵️
https://northavenue.com/usda-sba-business-loans-a-comparative-overview/

07/18/2024

For a simple-sounding trade, the reach of the lumber industry is far and wide. Its products surround us at every turn – from the homes we live in to the furniture we sit on, and the toys our children play with. Due to their large sites, timber and lumberyards are usually in rural areas, which unlocks a special financing option for these vital businesses. 🪵

👉 NAC offers sawmill loans guaranteed by the USDA, through the USDA Business & Industry Loan Program. With multiple lumberyard projects in our portfolio, come see for yourself why sawmills nationwide continue to choose NAC.

For lumberyard financing, Look North. ⤵️
https://northavenue.com/industry/timber-lumber/

North Avenue Capital Launches SBA 7(a) Loan Program Powered by Veritex Community Bank 07/16/2024

📣 Welcome to the New Era of North Avenue Capital!

The NAC team is buzzing with excitement after our recent launch into SBA 7(a) lending, powered by Veritex Community Bank. ⚡️

👉 After nearly a decade of success with the USDA Rural Development Loan Program, NAC is proud to expand its loan offerings, now providing two government-guaranteed lending options designed to meet the diverse needs of businesses nationwide.

North Avenue Capital CEO, Joseph Rowell, shares the exciting news while emphasizing NAC’s mission to help businesses thrive… both in rural and metropolitan communities. 🙌

Regardless of your business location, NAC can support your business growth.

North Avenue Capital Launches SBA 7(a) Loan Program Powered by Veritex Community Bank Welcome to a New Era at North Avenue Capital!We're excited to announce a groundbreaking development in our journey to support small businesses. After nearly ...

07/11/2024

When it comes to USDA commercial lending, the USDA Business & Industry Loan Program benefits the widest variety of industries. This includes the food and beverage industry. 🍏🥩🥛

In 2023, the USDA Food Supply Chain Loan Program was discontinued, but, thankfully, the USDA B&I Loan Program picks up where the FSC program left off for rural food supply chain players. 🙌

👉 North Avenue Capital’s recent blog details how the USDA B&I program helps strengthen our nation’s food systems from coast to coast. By financing food supply chain projects, B&I loans from NAC help support sustainable and regenerative agriculture, create jobs, and spur economic growth.

Read more on our blog. ⤵️
https://northavenue.com/building-a-strong-food-supply-chain-utilizing-the-usda-business-industry-program/

07/09/2024

When it comes to commercial loan programs, finding the right fit for your business can be a challenge. But thanks to North Avenue Capital, it doesn’t have to be. ☑️

👉Should you apply for a USDA Rural Development Loan or an SBA 7(a) Loan? Both government-guaranteed lending programs are great options, and NAC has helped take the guesswork out of it with our comparative overview.

Find out more. ⤵️
https://northavenue.com/usda-sba-business-loans-a-comparative-overview/

07/08/2024

💡 Did you know North Avenue Capital offers Public Safety Loans? 💡

The buildings and infrastructure firefighters, police officers, and paramedics rely on to keep our communities safe can be an enormous cost to rural municipalities. 🚒👮🚑

👉 Thankfully, through the USDA Community Facilities Loan Program, NAC provides government-guaranteed financing that can be used to fund fire and police stations, prisons, fire trucks, public works vehicles, and much more.

For help funding the tools that keep rural America safe, Look North. 🧭

Learn more about Public Safety Loans from NAC. ⤵️
https://northavenue.com/industry/public-safety-loans/

07/04/2024

As America turns another year older, we are proud to live and work in this great nation and consider ourselves privileged to serve American businesses from sea to shining sea. 🗽

To our borrowers and brokers, thank you for letting us be a small part of your story. We look forward to helping you succeed in reaching your business goals. We hope your Fourth of July is full of fun, laughter, and good food with the people you love most.

Happy birthday America! 🇺🇸

07/02/2024

While our roots are in rural lending, North Avenue Capital is now committed to supporting businesses in various locations, including urban areas as we launch into the SBA space powered by Veritex Community Bank. ⚡️ The Veritex SBA team has more than 100 years of combined experience in SBA lending.

Since Veritex acquired NAC in 2021, the strategic partnership has opened new opportunities for both organizations. 🤝 Our combined resources and expertise enable us to offer a wider range of financial products and services tailored to meet the diverse needs of our clients.

Together, we are committed to bridging the gaps between rural, metro, and suburban markets through our collective suite of government-guaranteed financing options. 🌉

Whether you are a rural entrepreneur or an urban business owner, our SBA 7(a) Loans can help you achieve your financial goals. 👏

Learn more. ⤵️
https://northavenue.com/the-history-of-north-avenue-capital-and-veritex-bank/

07/01/2024

Thanks to our partnership with Veritex Community Bank, North Avenue Capital is proud to announce the launch of small business lending under the SBA 7(a) Loan Program. 🎊

👉 What does that mean for you? Your zip (code that is) means zilch. If you operate a small business in any location – rural, urban, or in between – our guaranteed lending experts can act as your one-stop shop for lending.

That’s right: USDA Rural Development Loans and SBA 7(A) Loans are now under one experienced roof. 🏦

Learn more. ⤵️
https://northavenue.com/usda-sba-business-loans-a-comparative-overview/

06/28/2024

North Avenue Capital has exclusively served American rural businesses and organizations for nearly a decade. Come Monday, we’re taking on a new nationwide venture…

Stay tuned. 🥁

06/25/2024

Have you dreamed of building a solar farm, but waiting for the right time?
Consider this your sign. 🪧

Thanks to Solar Energy Loans from North Avenue Capital constructing renewable energy systems in rural communities is within reach. ☀️

👉 NAC offers flexible lending options for solar energy projects through the USDA Rural Energy for America Loan Program (USDA REAP). See for yourself why businesses nationwide continue to choose NAC for their funding needs.

Learn more about Solar Energy Loans. ⤵️
https://northavenue.com/industry/solar-energy/

06/21/2024

Before being approved for a USDA Rural Development Loan, applicants are evaluated on 🖐️ specific criteria, commonly referred to as the “5 Cs of Credit,” to determine their creditworthiness. 🏦

👉 At North Avenue Capital, we have customized these credit requirements to align with our perception of an ideal borrower, in collaboration with the USDA. Understanding the five factors the USDA and NAC use to evaluate a potential project can help you prepare a stronger application and improve your chances of securing financing for your organization. 💪

Read more on our blog. ⤵️
https://northavenue.com/understanding-the-5-cs-of-credit-for-usda-onerd-loans/

06/18/2024

North Avenue Capital offers government-guaranteed loans for rural small businesses nationwide through the USDA Business & Industry Loan Program. 💰

👉 These loans benefit businesses located in areas with populations of 50,000 or fewer with loan amounts ranging from $2 million to $25 million and terms up to 30 years!

The USDA B&I Loan Program provides financing solutions for the broadest range of business types. Whether your capital needs include construction, equipment, refinance, acquisition, working capital, or something else, a B&I Loan from NAC could help.

Learn more. ⤵️
https://northavenue.com/usda-bi-loans/

06/14/2024

We proudly wave the Stars and Stripes, today and every day. 🇺🇸

In fact, our office walls display several historical American flags. It’s a reminder of how blessed we are to live and work in this great nation, and we’re grateful for the opportunity to serve rural American businesses.

06/12/2024

💡 Did you know North Avenue Capital offers Hotel & Hospitality Loans? 💡

Whether you’re considering a refinance, reflag, acquisition, construction project, or something else, NAC has financed it all and has perfected the hotel loan process to fit your funding needs. 🏨🛏️ Our team of seasoned experts is ready to help you explore how you can use a government-guaranteed loan from NAC for your next rural hospitality project.

👉 We offer hotel loans guaranteed by the USDA, through the USDA Business & Industry Loan Program. With numerous Hotel & Hospitality Loans in our portfolio, come see for yourself why hoteliers across the country continue to choose NAC.

If your hotel or hospitality-based business needs financing, Look North. 🧭

Learn more about Hotel & Hospitality Loans from NAC. ⤵️
https://northavenue.com/industry/hotel-hospitality/

06/11/2024

Through the USDA Business & Industry Loan Program, North Avenue Capital offers flexible lending options for rural businesses nationwide. Funding rural businesses helps bolster economic growth and build communities in areas with populations of 50,000 or fewer. 💪

✅ Loan amounts ranging from $2 million - $25 million
✅ Competitive interest rates
✅ Terms up to 30 years
✅ Government-guaranteed lending

Learn more about USDA B&I Loans from NAC. ⤵️
https://northavenue.com/usda-bi-loans/

06/06/2024

We are proud to serve businesses that call the Great Lakes State home. 🛥️ To date, North Avenue Capital has provided more than $22.6 million in funding for businesses in the Wolverine State through the USDA Business & Industry Loan Program, while preserving 590 jobs for Michiganders. Now, that’s something worth celebrating! 🎉

Need capital for your Michigan business, nonprofit, or public entity? Look North. 🧭

Learn more about the USDA Rural Development Loan Programs NAC offers. ⤵️
https://northavenue.com/loan-programs/

06/04/2024

💡Did you know North Avenue Capital offers College & University Loans?💡

Building and maintaining a college campus requires capital, just like any other business, but the types of resources a school requires can be hard for many lenders to understand – especially if the school is a rural one. 🏫

👉Thankfully, through the USDA Community Facilities Loan Program, NAC provides government-guaranteed financing that can be used to fund educational institutions nationwide. USDA CF Loans can be used to refinance existing debt, purchase assets and fixtures, expand campuses, and upgrade classrooms. 🧑‍🏫📚

Learn more about College & University Loans from NAC. ⤵️
https://northavenue.com/industry/college-and-universities/

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Videos (show all)

🔔 NEW VIDEO LAUNCH: Newberry College, a private liberal arts college in South Carolina, joins our Borrower Spotlight vid...
North Avenue Capital proudly offers Solar Energy Loans for rural businesses and agricultural producers nationwide. ☀️👉 N...
🔊 North Avenue Capital’s Ed Dwyer, SVP of Servicing and Portfolio Relations, joined the St. Johns County Today Radio Sho...
Thanks to the USDA Rural Energy for America Program (REAP), North Avenue Capital offers flexible lending options for Win...
🔊 North Avenue Capital’s Ed Dwyer, SVP of Servicing and Portfolio Relations, joined the St. Johns County Today Radio Sho...
Traditional banks don’t understand Rural America.We do.👉 At North Avenue Capital, we do loans that banks can’t and won’t...
🔔 Don’t miss TOMORROW’s exclusive webinar❗️It’s not too late to register for North Avenue Capital’s Moments on Main Stre...
Why is St. Johns County the best community to live, work, and play in? 🤷Like many rural communities across the country, ...
Why choose NAC?Because we are America’s Rural Lender. 🇺🇸Ed Dwyer joined WSOS Radio in St. Augustine and unpacked why he ...
Who is NAC?We are America’s Rural Lender. 🇺🇸Based out of Northeast Florida, North Avenue Capital is a nationwide commerc...
For a business to qualify for a USDA Rural Development Loan, the project must be in a location deemed rural. The USDA us...
Let 2️⃣0️⃣2️⃣4️⃣ be the year your solar project comes to fruition! We can help make your renewable energy dreams a reali...

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818 A1A N, Ste 300
Ponte Vedra, FL
32082

Opening Hours

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Wednesday 9am - 5pm
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