Top Lender by Volume for Fiscal Year 2023 and Lender of the Year – USDA OneRd

Funding Rural America’s Future

USDA Loans: Funding Businesses, Community Facilities, Infrastructure, and Rural Projects Nationwide.

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Who is X-Caliber Rural Capital?

$250,000 to $100MM

New Construction, Acquisition, Refinance

Diverse Project Types in Rural Areas

Why Consider an X-Caliber Rural Capital USDA Guaranteed Loan?

  • Higher leverage with extended amortization – payments your operation can support
  • Longer terms with fixed rates not attainable at local or regional banks
  • Flexible underwriting supports complicated transactions, including start-ups and expansions with projected income
  • Can be combined with other financing products for a comprehensive capital stack
  • One loan application for construction to permanent financing with simple conversion at completion
  • USDA expertise direct from the agency with structure guidance and an efficient application process

Unique Expertise – Expansive Project Types

X-Caliber Rural Capital is the nation’s largest non-bank USDA lender. From hotels to food ingredient manufacturers; from wellness centers, to cold storage, X-Caliber Rural Capital’s experts are ready to tackle complex transactions for a variety of projects that support Rural America’s capital needs.

Benefits of USDA Lending Programs

Why consider a USDA loan for your business or project?

X-Caliber Rural Capital’s Jordan Blanchard provides a few of the many attractive features and benefits of the program.

Programs

Business & Industry

B&I is the USDA’s general purpose lending program that primarily finances real estate and equipment.
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Rural Energy for America

REAP provides financing for energy-efficient improvements, energy-efficient equipment for agricultural producers and renewable energy systems.
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Community Facilities

CF provides financing for essential community facilities located or serving rural areas.
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Water & Waste Disposal

WEP provides affordable financing to qualified borrowers to improve access to clean, reliable water and waste disposal systems for households and businesses in rural areas.
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Projects

Rural-Business

Rural Business

Community-Infrastructure

Community Infrastructure

Renewable Energy

Rural-Water-Infrastructure

Rural Water Infrastructure

Rural Owner Occupied/
Non-owner Occupied

Rural-Public-Infrastructure

Rural Public Infrastructure

Our Partners

I want to thank X-Caliber Rural Capital for their guidance and expertise in leading our L’Anse Warden Electric Company (“LWEC”), a subsidiary of Greenwood Sustainable Infrastructure (“GSI”), team through the USDA guaranteed loan process and an overall successful refinancing. The XRC team is not just professional, but also a pleasure to work with, and we greatly appreciate their support of LWEC and its continued mission to be a positive force in the Upper Peninsula’s energy economy.

With this funding from our partners at X-Caliber Rural Capital, Hardee Fresh is transforming the way millions of Americans will be able to eat healthy produce. We are expanding our ability to use cutting-edge technology to ensure that our leafy greens are all natural and organic.

We partnered with the X-Caliber Rural Capital team to access specialized capital sources with lenders we can trust. Being able to execute a USDA Business and Industry guaranteed loan provided us effective, long-term financing for our new construction hotel project. Having the ability to layer in C-PACE financing through X-Caliber’s in-house affiliate for our energy efficient designs provided us with a winning combination. For certain, the level of expertise the X-Caliber Rural Capital team brought to the table helped us execute our financing goals.

I was pleased to work with the X-Caliber Rural Capital team to put together a complete financing package that will deliver a state-of-the-art, first-mile, cold storage facility to serve agriculture producers and processers throughout California’s Central Valley. By combining a USDA Food Supply Chain loan with Commercial PACE, the XRC team provided me with a competitive, long-term financing solution which enabled the development of the project. The financing supports the construction of a building designed with sustainable materials and powered by renewable energy that will help preserve crops post-harvest. California’s Central Valley is critical to supporting the global food supply chain, and I am pleased to partner with experts whose knowledge and expertise added value in helping me to bring this project to fruition.

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