USDA REAP Loan | Competitive Terms Guaranteed | North Avenue Capital


Rural Energy for America Loans




Competitive Terms


Renewable Energy











Small business owners know all too well, energy is expensive. But replacing or improving energy-inefficient equipment is expensive, too. That’s why the USDA enacted the Rural Energy for America Program (REAP).

The program provides government-guaranteed loans and grants to agricultural producers and rural small businesses to upgrade, replace, or construct energy-efficient systems. Powering the instruments of industry just got easier.


REAP Financing 101

NAC CEO Joseph Rowell and Veritex Community Bank President and CEO Malcolm Holland unpack how the USDA's Rural Energy for America Program (REAP) benefits business owners and brokers alike through government-guaranteed commercial loans specifically earmarked for renewable energy projects across rural America. 

Eligible Use of Funds

Renewable Energy Systems

USDA REAP Biomass Energy System Loan


USDA REAP Geothermal Energy System Loan


USDA REAP Hydropower Energy System Loan


USDA REAP Hydrogen Energy System Loan


USDA REAP Wind Energy System Loan

Wind Generation

USDA REAP Solar Energy System Loan

Solar Generation

Ocean Generation

Energy Efficiency Improvements

USDA REAP HVAC Energy Efficiency Improvement Loan


USDA REAP Insulation Energy Efficiency Improvement Loan


USDA REAP Lighting Energy Efficiency Improvement Loan


USDA REAP Cooling and Refrigeration Energy Efficiency Improvement Loan

Cooling & Refrigeration

USDA REAP Doors and Windows Energy Efficiency Improvement Loan

Doors & Windows

USDA REAP Pumps for Sprinkler Pivots Energy Efficiency Improvement Loan

Pumps for Sprinkler Pivots

USDA REAP Diesel to Electric Irrigation Motor Energy Efficiency Improvement Loan

Diesel to Electric Irrigation Motor

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.

USDA Rural Eligibility Map Updated October 2023

Learn More with a FREE Guide

For reliable facts and funding,

Look North.

The USDA REAP loan program is unlike any other. Securing financing requires specialized knowledge of the USDA's criteria, creative solutions to complex requirements, and persistence every step of the way. Our team of specialists has distilled our expertise into a two-page guide to USDA REAP funding. Access your copy today.

Contact a Loan Specialist Today

Whether you have a project that needs funding, you are a broker with a few on your desk or you are trying to learn more about the USDA Rural Energy for America Loan from NAC, our Loan Specialists are here to help. Fill out the form below and we will get back to you promptly.

  • Minimum loan amount: $2 million
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USDA Rural Energy for
America Program Loan


USDA Rural Energy for 
America Program Grant

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