Loans for Essential Services
in Rural Areas
Starting at $2 Million
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.
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.).
Indian Tribes on Federal & State Reservations
Federally Recognized Tribes
Healthcare & Hospitals
Fire, Rescue & Public Safety
Educational & Social
Bridges, Roads & Airports
Dams, Levees, & Reservoirs
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.
"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