Loan Programs: Community Facilities | Potential Borrowers & Brokers | North Avenue Capital


USDA Community Facilities Loans


Loans for Essential Services

in Rural Areas

Loan Amounts

Starting at $2 Million

Populations of

50,000 or Fewer










Unlike other loan programs from the USDA, the Community Facilities Loan is not designed for commercial undertakings, but rather, to create facilities that provide essential services to rural communities. 

Such services can include healthcare, childcare, education, public gatherings, utilities, and food distribution, among others. If a community is in need of a certain facility, chances are a CF loan could fund its construction or improvement. 

Community Facility Financing 101

NAC CEO Joseph Rowell unpacks the benefits of the USDA’s Community Facilities (CF) Loan Program, which exists to deploy capital into nonprofit organizations and public bodies that provide essential services to rural communities through government-guaranteed loans. He also explains the various uses of funds available for these essential facilities (education, utilities, healthcare facilities, public safety, etc.).

Eligible Borrowers

Nonprofit Organizations

Community Facilities

Public Bodies

Community Facilities

Indian Tribes on Federal & State Reservations

Federally Recognized Tribes

Examples of Essential Community Facilities

Healthcare & Hospitals

Fire, Rescue & Public Safety

Educational & Social

Bridges, Roads & Airports

Telecom Equipment

Dams, Levees, & Reservoirs

Defining Rural:

97% of America

Our customers are often surprised to hear that we only lend to rural businesses — and even more surprised to discover they’ve actually been operating one. 97% of the geographic U.S. is considered rural. Find out if your address qualifies in 10 seconds.

Loan Programs: Community Facilities

  • Minimum loan amount: $2 million

USDA Community Facilities Loan (USDA CF Loans)

"The USDA CF Loan program provides affordable funding to develop essential community facilities throughout rural areas of the country. An 'essential community facility' is defined as a facility that provides an essential service to the local community for the orderly development of the community in a primarily rural area, and does not include private, commercial or business undertakings." - USDA