USDA Feasibility Studies in Washington
Independent third-party feasibility studies for USDA B&I, REAP, and Community Facilities projects across rural Washington, prepared to 7 CFR Part 5001 standards for lenders and USDA state office review.
USDA Lending in Washington
Washington runs one of the most diverse and valuable agricultural economies in the country, and USDA lending follows it east of the Cascades. The orchards of the Wenatchee, Chelan, and Yakima districts, the hop yards of the Yakima Valley, the vineyards of the Columbia and Walla Walla valleys, the Columbia Basin's potato and processing belt, and the Palouse wheat country form the rural base where the Business and Industry program, the Rural Energy for America Program, and Community Facilities financing run heaviest, outside the Puget Sound and Tri-Cities metros.
Washington's agriculture is both deep and varied: the state grows more than 300 crops, a diversity second only to California, and total agricultural production reached a record 14.0 billion dollars in 2023. Apples alone, the leading commodity at 1.99 billion dollars, account for about two-thirds of the United States crop. That base drives heavy demand for the asset classes USDA finances, packing houses and controlled-atmosphere cold storage, processing capacity, on-farm energy, and the rural healthcare, senior care, and childcare facilities that orchard and farm communities depend on. Rural Washington faces the same rural-hospital and access pressures documented nationwide by CHQPR, particularly across the eastern farm counties, sustaining Community Facilities demand.
B&I applications require an independent feasibility study prepared by a qualified feasibility study consultant with no financial interest in the loan outcome. USDA Rural Development's Washington state office in Olympia reviews studies as part of the Conditional Commitment process, supported by area offices across the state.
The Tree Fruit and Vineyard Economy
Washington is the nation's orchard. It leads the country in apples, pears, and sweet cherries, and produces about 67 percent of the United States apple crop, 7.18 billion pounds in 2024. Apples are the state's leading agricultural commodity at a 2023 value of 1.99 billion dollars, and sweet cherries reached a record 435 million dollars in 2024. The orchards concentrate in the Wenatchee and Chelan districts, the Yakima Valley, and the Columbia Basin, supported by some of the most advanced controlled-atmosphere storage and packing infrastructure in the world.
The same warm, irrigated valleys make Washington the nation's leading hops producer, growing about 71 percent of the United States crop in the Yakima Valley, and its second-largest wine producer, anchored by the Columbia Valley, Yakima Valley, and Walla Walla wine regions. For feasibility work this economy connects directly to the programs: the Business and Industry program finances packing, cold storage, processing, and winery and beverage capacity, while the Rural Energy for America Program funds the irrigation, refrigeration, and on-farm energy systems these operations depend on.
Project Types We Study
Hotels and Resorts
Hotel and resort projects in rural Washington serve Mount Rainier, the North Cascades, the Olympic Peninsula, the San Juan Islands, Lake Chelan, and the wine country of the Columbia Valley. Outside the metro cores, these markets sit on eligible rural ground where the Business and Industry program is an established financing path for lodging.
RV Parks and Campgrounds
RV park and campground projects in rural Washington draw on the Cascades, Mount Rainier and Olympic national parks, the Columbia River, Lake Chelan, and the coast. These outdoor hospitality assets occupy eligible rural counties across central and eastern Washington and pair naturally with the Business and Industry program.
Restaurants and Food Service
Rural restaurant and food service projects in Washington anchor orchard and wine-country towns, the Yakima Valley, the Columbia Basin, and the Palouse. As an established Business and Industry asset class, they support the workforce and visitor demand generated by the tree-fruit, wine, and tourism economies across eligible rural counties.
Event Venues and Agritourism
Event venue and agritourism projects in rural Washington combine wedding and corporate event demand with orchard, vineyard, and farm tourism across the Yakima Valley, the Walla Walla wine country, and the Wenatchee and Chelan fruit districts. These projects occupy eligible rural counties and fit the Business and Industry program.
General and Advanced Manufacturing
Rural manufacturing projects in Washington span food and fruit-packing equipment, wine and beverage equipment, and supplier plants tied to the state's agricultural and aerospace base. The Business and Industry program finances plant construction, expansion, and equipment across eligible rural counties outside the metro cores.
Food and Beverage Processing
Food and beverage processing projects in rural Washington operate against the nation's leading tree-fruit state, with deep value added pipelines in apple and cherry packing, juice and cider, frozen potato products in the Columbia Basin, and a fast-growing wine and craft-beverage sector. The Business and Industry program is an established path for processing capacity across eligible rural counties.
Meat and Poultry Processing
Meat and poultry processing projects in rural Washington address cattle and dairy processing capacity across the Columbia Basin and eligible counties. Projects can pair the Business and Industry program with the Meat and Poultry Processing Expansion Program to add capacity.
Wineries, Distilleries and Breweries
Winery, distillery, and brewery projects in rural Washington build on the nation's second-largest wine state and its leading hops producer, with the Columbia Valley, Yakima Valley, and Walla Walla wine regions and the Yakima Valley hop district. These producers occupy eligible rural counties and draw on Business and Industry financing and Rural Energy for America Program support for equipment and energy systems.
Sawmills and Wood Products
Sawmill and wood products projects in rural Washington draw on a deep timber base across the Olympic Peninsula, the Cascades, and northeastern Washington. The Business and Industry program finances mills, and the Rural Energy for America Program funds kilns and mill energy systems across eligible counties.
Assisted Living and Senior Care
Assisted living and senior care projects in rural Washington address demand across aging rural counties in central and eastern Washington. These facilities are a significant share of Business and Industry healthcare lending and can also draw on Community Facilities financing in eligible rural communities.
Rural Medical and Dental Clinics
Rural medical and dental clinic projects in Washington address access and financial pressures documented nationwide by CHQPR, felt acutely across the eastern farm counties. Clinics qualify for both Community Facilities and Business and Industry pathways across eligible rural counties.
Childcare Centers
Childcare center projects in rural Washington meet workforce enabling demand in orchard, packing, processing, and farm labor sheds where care capacity is thin. These facilities qualify for both Community Facilities and Business and Industry pathways across eligible rural counties.
Gas Stations and C-Stores
Gas station and convenience store projects in rural Washington leverage corridor traffic on I-90, I-82, US-2, and US-97 across eligible counties and are an established Business and Industry asset class. Rural fuel and retail sites have also drawn Rural Energy for America Program energy investment.
Self-Storage Facilities
Self-storage projects in rural Washington serve growing exurban counties along the I-90 and I-82 corridors and the recreation markets around Lake Chelan and the Cascades. As a stabilized asset class, self-storage is a recognized Business and Industry use across eligible rural counties.
Solar and Renewable Energy (REAP)
Solar and renewable energy projects in rural Washington are primarily funded through the Rural Energy for America Program for on-farm solar, irrigation efficiency, and cold-storage energy upgrades, supported in Washington by an active Commercial PACER program that also finances seismic and resiliency retrofits. Note the August 2025 changes that narrowed eligibility for certain solar configurations.
Car Washes
Express and tunnel car wash projects in rural Washington address corridor and town-center traffic across eligible counties and have established Business and Industry program evidence as a recognized commercial asset class.
Cold Storage and Warehousing
Cold storage and refrigerated warehousing projects in rural Washington are central to the tree-fruit economy, where controlled-atmosphere apple and cherry storage, packing houses, and frozen-potato cold chain define the logistics base. The Business and Industry program finances cold chain capacity across eligible counties.
Marinas
Marina projects in rural Washington anchor recreational and working-waterfront marine demand on the Puget Sound shoreline, the San Juan Islands, the Columbia River, and Lake Chelan, alongside the Willapa Bay shellfish coast. These assets occupy eligible rural counties and fit the Business and Industry program.
What Changed in 2026
Effective for loans obligated in fiscal year 2026, beginning October 1, 2025, B&I loans under 5 million dollars receive an 85 percent guarantee, up from 80 percent, with loans of 5 million dollars or more at 80 percent. The upfront guarantee fee is 3.0 percent of the guaranteed amount with a 1 percent reduced fee path for projects in persistent poverty counties, distressed communities, areas of long term population decline, or presidential disaster designations, and the annual retention fee is 0.55 percent. Washington specific factors: the state operates an active Commercial PACER program, the Commercial Property Assessed Clean Energy and Resiliency program enacted in 2020 under RCW 36.165 and adopted by counties including King, Pierce, Snohomish, Spokane, Clark, Thurston, and Whatcom, which finances energy, water, and seismic-resiliency improvements and carries energy components now excluded from B&I under the August 2025 wind and solar policy; and USDA's April 2, 2026 extended pause on biodigester loan note guarantees constrains guarantee financed digesters while Rural Energy for America Program grant funding for digester upgrades remains a documented path.
USDA Rural Development in Washington
USDA Rural Development Washington State Office, 1835 Black Lake Boulevard SW, Suite B, Olympia, WA 98512, led by State Director Kirk Pearson, with area offices in Wenatchee, Yakima, Spokane, Mount Vernon, and Port Angeles.
B&I eligibility covers areas outside cities and towns above 50,000 population. Excluded cores: Seattle, Spokane, Tacoma, Vancouver, Bellevue, Yakima, Bellingham, and the Tri-Cities of Kennewick, Pasco, and Richland. Eligible territory includes the Wenatchee and Chelan fruit districts, the Yakima Valley orchard and hop country outside the city, the Columbia Basin, the Walla Walla wine country, the Palouse, and the Olympic Peninsula, and distressed communities and areas of long term population decline across central and eastern Washington may qualify projects for the program's 1 percent reduced fee path.
Lender Landscape
USDA's OneRD Guaranteed Lending Program operates through approved lenders, and that roster changed in 2026. On May 12, 2026, USDA removed ten lenders from the program, including several nationally and regionally active rural business originators such as Celtic Bank, ReadyCap Commercial, North Avenue Capital, and Greater Nevada Credit Union, after a portfolio review of delinquent loans. Because the approved roster can change, sponsors should confirm any originator's current Lender's Agreement and OneRD approved status through USDA's Lender Lens before relying on it in an application.
Frequently Asked Questions
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