Businesses
Government-funded
$25.0M
per applicant
Loan
Below-market financing
Rolling
No fixed cutoff
Rolling
Apply when you're ready
Moderate
Underwriting required
Federal loan guarantees up to 80% on loans of $1M–$25M from private lenders for businesses in rural areas (populations under 50,000). Covers working capital, real estate, equipment, and business acquisition to create and retain jobs in rural communities.
Do I qualify?
Answer the questions below for a rules-based self-assessment of your fit for this program. This is informational — final determinations are made by the administering agency.
1.Business must be in a rural area (population under 50,000)
2.Guarantee: 80% for loans up to $5M; 70% for $5M–$10M; 60% for $10M–$25M
3.Loan purpose: working capital, real estate, equipment, acquisition
4.Lender must be an approved USDA participating financial institution
5.Must create or retain rural jobs; personal guarantee required
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Allows businesses to deduct up to $5.65/sq ft for commercial buildings achieving significant energy savings through improvements to HVAC, lighting, and building envelope systems. IRA expanded the deduction and allowed non-profits and government to allocate it.
LPO · United States
Offers federal loan guarantees for innovative clean energy projects that struggle to access conventional financing. Supports first-of-kind commercial-scale projects in renewable energy, storage, advanced nuclear, and industrial decarbonization.
NCDOR · North Carolina
Provides state income tax credits for investments in renewable energy equipment and energy efficiency improvements for business properties in North Carolina, stackable with federal ITC.