X-Caliber Rural Capital Business & Industry Program

Business & Industry Guaranteed Loan Program

Leveraging Competitive Terms For Your Business Needs

As a USDA-licensed lender, X-Caliber Rural Capital (XRC) provides the Business and Industry Guaranteed Loan Program under the OneRD Guarantee Loan Initiative to qualified borrowers who invest in rural business and economic development. The XRC team has unique expertise in the USDA’s loan products and is committed to working with you to create the best financing to meet your needs. They will provide you with a loan that has competitive terms and supports your rural business and infrastructure.

ELIGIBLE AREAS

The program primarily serves rural areas with populations of 50,000 residents or less based on the last census and not contiguous with an adjacent populated area. The USDA mapping link will confirm eligibility. Urban locations are approved for indoor food production or distribution.
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TERMS

Loan ranges of $1MM to $25MM
Maximum loan term of 25 to 30 years based on use and effective life
Fixed or variable rates

QUALIFIED APPLICANTS

Public bodies
Federally recognized tribes
Non-profit organizations
For-profit or non-profit businesses
Cooperatives
Must be United States citizens or reside in the U.S. after being legally admitted for permanent residence

*Private-entity borrowers must demonstrate that loan funds will remain in the U.S. and the facility being financed will primarily create new or save existing jobs for rural U.S. residents

PROCEEDS

Business conversion, enlargement, repair, modernization, or development
The purchase and development of land, buildings, and associated infrastructure for commercial or industrial properties
The purchase and installation of machinery and equipment, supplies, or inventory
Debt refinancing when it improves cash flow and creates jobs

OVERALL BENEFITS

Higher than standard leverage (up to 80% for real estate collateral)
Longer loan terms with no balloon payments
Construction-to-permanent loans (one loan closing saves transaction fees)
More flexible underwriting with the ability to consider start-up or expanding businesses that rely on future projected income
Life of the loan servicing by XRC servicing experts

$25MM

Wellness Center

USDA-B&I

Refinance

Delaware

$17.4MM

Hospitality

USDA-B&I

Refinance

Maryland

$13.4MM

Hospitality

USDA-B&I

Acquisition

North Carolina

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Business & Industry Guaranteed Loan Program

ELIGIBLE AREAS

TERMS

QUALIFIED APPLICANTS

PROCEEDS

OVERALL BENEFITS

$25MM

$17.4MM

$13.4MM

Programs

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