Programs & Overview

X-Caliber Rural Capital (XRC) is one of the nation’s top USDA-licensed lenders. The XRC team has some of the most experienced professionals in the industry who provide an array of financing products for rural businesses, community facilities, infrastructure improvements, and economic development projects under Four USDA guaranteed loan programs.

USDA loans have long terms, low interest rates, and are fully amortizing, with no balloon payments. Depending on the program, loan sizes will range between $250,000 and $100MM and will be available for new construction, acquisition, and refinance transactions.

USDA eligible rural areas are those with less than 50,000 in population and not contiguous with another populated area, based on the most recent census. Click here to see if your project is in an eligible area.

We welcome you to check out our program overview.