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.

Who is X-Caliber Rural Capital?

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.


Business & Industry

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

Rural Energy for America

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

Community Facilities

CF provides financing for essential community facilities located or serving rural areas.

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.



Rural Business


Community Infrastructure

Renewable Energy


Rural Water Infrastructure

Rural Owner Occupied/
Non-owner Occupied


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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