A process for producing bio-fuel from biomass is disclosed herein. The process includes processing the mean particle diameter of the biomass by mechanical processing to a size ranging from 1 μm to 1000 μm to form particulated biomass. The particulated biomass is mixed with a liquid hydrocarbon to form a suspension, wherein the suspension includes between 1 weight percent to 40 weight percent particulated biomass. The suspension is heated to a temperature between 50° C. and 550° C. The heated suspension is fed into a unit selected from the group consisting of a pyrolysis reactor, a fluid catalytic cracking unit, a delayed coker, a fluid coker, a hydroprocessing unit, and a hydrocracking unit; and then at least a portion of the particulated biomass of the heated suspension is converted into fuel.