USDA-Rural Development
Resources for Business Development


Rural Development programs help businesses directly and through loan guarantees that make it easier for private lenders to increase the pool of affordable investment capital in rural communities.

We also partner with electric cooperatives, development agencies, non-profits and local governments to build local business-infrastructure and capitalize regional revolving loan funds for business startup, acquisition, innovation and expansion.



Resources for Businesses, Cooperatives & Agricultural Producers

  • Business & Industry (B&I) Loan Guarantees
    Capital for business start-up, acquisition, expansion or working capital in eligible rural communities.
  • Intermediary Relending Program (IRP)
    Very low interest loans are provided to local organizations (intermediaries) to create revolving loan funds that provide financing for business development that creates or retains jobs in disadvantaged and remote communities.
  • Rural Economic Development Loans & Grants
    Zero interest loans to local utilities which they pass through to local businesses for acquisition, expansion and improvements that will create and retain employment in rural areas.
  • Biorefinery Assistance program
    Investments in new and emerging technologies for the development of advanced biofuels in rural areas.
  • Renewable Energy Producer Grants
    Investments in rural businesses and agricultural producers that purchase and install equipment or systems for the production of of energy from renewable resources.
  • Energy Efficiency Improvement Grants
    Investments in rural businesses and agricultural producers for the purchase and installation of energy efficient systems that lower costs and save energy use.
  • Value Added Producer Grants
    Working capital for marketing of value-added agricultural products, planning activities and for farm-based renewable energy.
  • Multi-family Housing Development Loans
    Financing for building, acquisition and repair of apartment complexes in rural communities.

 State Natural Resource Management Guide

Additional Resources


Business loan-guarantees
Loan guarantees help private lenders extend affordable terms to more eligible business borrowers by reducing the risk of lending in rural communities. These programs are designed for businesses that create or maintain jobs in rural communities where needed capital is not otherwise available through the private market. To participate, a lender must be publicly regulated (state or federal) with demonstrable experience in commercial lending.

Ask your lender if a USDA Rural Development Business Loan Guarantee is right for you.

Businesses loan guarantees are available for:

  • Business & Industry improvements, acquisition, start-up and expansion.
  • Multi-family Housing development or acquisition.
  • Building a single family home (home buyer applies).
  • Renewable Energy production at businesses and farms.
  • Energy Efficiency improvements at business and farms.