Rural Development Guaranteed Lending Programs

These programs are part of the OneRD Guarantee Loan Initiative with a standard set of requirements, processes, and forms. Loans are available in rural communities with less than 50,000 in population. Benefits to the borrower include longer repayment terms, no balloons or calls, and loans up to $25 million.
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Business & Industry (B&I) Guaranteed Loan Program
B&I loans are available for most types of business with no restrictions on the size of the business, owner occupancy, or net worth. Eligible borrowers include for-profit, non-profit, cooperatives, Tribes, and public bodies. Funds may be used for business acquisition and expansion, refinance of debt, and purchase of machinery and equipment. This program provides the lender with an 80% guarantee on loans up to $25 million.
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Rural Energy for America (REAP) Guaranteed Loan Program
REAP loans are available for renewable energy systems or to make energy efficiency improvements. Agriculture producers may also use energy efficiency loans for new systems for agricultural production and processing. This program is available to agricultural producers and small businesses. The program provides the lender with an 80% guarantee on loans up to $25 million.
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Community Facilities (CF) Guaranteed Loan Program
CF loans are available to non-profits, Tribes, and public bodies (or should we say governmental entities) to develop essential community facilities. Examples of loans include fire and public safety facilities, town halls, medical facilities, transportation facilities, infrastructure, and community parks/activity centers. An 80% guarantee is provided to the lender on loan amounts up to $100 million.
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Water & Waste Disposal Loan Guarantees
These loans are available to non-profits, Tribes, and public bodies to construct or improve facilities for drinking water, sanitary sewers, solid waste disposal, and storm water facilities. An 80% guarantee is provided on loans up to $50 million.
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Farm Service Agency Guaranteed Lending Programs

These loan programs guarantee farm loans up to $1,825,00 with up to a 95% guarantee. Loans are available to help family farmers and ranchers buy land and finance agriculture production.

Farm Ownership Guaranteed Loans
These loans may be used to purchase farm land, construct or repair building and other fixtures, develop farm land to promote soil and water conservation, or to refinance debt.

Farm Operating Guaranteed Loans
These loans may be used to purchase livestock, farm equipment, feed, seed, fuel, farm chemicals, insurance, and other farm related operating expenses. Loans typically have a 7-year term and may be structured as term loans or lines of credit.
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