USDA Rural Energy for America Loan Program

From North Avenue Capital

HomeLoan Program Overview › USDA REAP Loans

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.

Fundamentals of USDA REAP Loans from North Avenue Capital & Veritex Bank

Joseph Rowell, CEO of NAC, and Malcolm Holland, President and CEO of Veritex Community Bank, discuss the advantages of the USDA’s Rural Energy for America Program (USDA REAP) for both business owners and brokers alike. USDA REAP loans provide government-guaranteed commercial loans specifically earmarked for renewable energy projects across rural America.

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Promoting a

Greener Future

By enabling access to renewable energy resources, REAP empowers businesses to adopt more sustainable practices, promoting a greener future.

This collaborative effort between government and financial institutions demonstrates a commitment to both economic development and environmental stewardship, presenting a unique opportunity for those looking to invest in the burgeoning field of renewable energy.


Biomass, Geothermal, Hydropower, Hydrogen, Wind Generation, Solar Generation, Ocean Generation

HVAC, Insulation, Lighting, Cooling & Refrigeration, Doors & Windows, Pumps for Sprinkler Pivots, Diesel to Electric Irrigation Motor

Find us at the following Renewable Energy Conferences Nationwide


USDA Rural Energy for America Program Loan vs. Grant

When it comes to fi­nancing renewable energy projects and making energy-efficient improvements, the U.S. Department of Agriculture (USDA) Rural Development Program offers two potential paths under its Rural Energy for America Program (REAP): government-guaranteed loan and grant. These initiatives aim to support rural businesses and agricultural producers in their pursuit of clean and sustainable energy solutions. Both options are part of the USDA’s Rural Development REAP program, so what’s the difference between the two? Let’s find out.

Learn more with a Free Guide

Download the USDA REAP Funding Guide

The USDA REAP Loan Program is distinct and obtaining financing requires specialized knowledge of the USDA’s criteria. North Avenue Capital’s experts have encapsulated their expertise in a two-page guide on USDA REAP funding. This downloadable white paper is a crucial tool, offering insights for navigating the program successfully. Access your copy below to understand how to effectively secure USDA REAP funding.


A REAP (Rural Energy for America Program) Loan provides USDA-backed financing to help rural businesses upgrade, replace, or construct energy-efficient systems. 

The USDA REAP Loan Program, or Rural Energy for America Program, is part of the USDA’s OneRD Guarantee Loan initiative. The program provides guaranteed loan financing for upgrading, replacing, or constructing renewable energy systems.

Contact a Loan Specialist Today

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

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*Be advised, we do not fund USDA Business Loans under $2 million.