Diverse Products That Strengthen Rural America

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.

Programs

Under the USDA’s OneRD Loan Guarantee Initiative, X-Caliber Rural Capital provides financing for rural business and economic development projects under four USDA guaranteed loan programs.

We know the importance that each of these programs plays to help ensure local economies and communities continue to thrive and prosper. That’s why we strive to provide a partnership that supports your financing goals – so you can get busy doing what you do best – keep America safe, moving and growing.

USDA Financing Pairs with Other Capital Sources

  • Commercial Property Assessed Clean Energy (CPACE)
  • New Markets Tax Credit (NMTC)
  • Solar Investment Tax Credit (ITC)
  • Rural Jobs Fund through X-Caliber Rural Capital
  • Tax Increment Financing (TIF)
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