A USDA Community Facilities (CF) loan provides affordable financing to develop essential public services in rural areas. From healthcare facilities to schools and public safety buildings, the CF program helps strengthen communities and improve quality of life.
USDA CF loans are available to a variety of rural-based entities, including:
Public bodies (towns, counties, special-purpose districts)
Nonprofit organizations
Federally recognized tribes
USDA CF loan funds can be used for a wide range of purposes, including:
Build, renovate, or expand public facilities (healthcare, education, safety)
Purchase necessary equipment or vehicles
Improve infrastructure supporting essential services
Loan Amounts: Vary by project size
Repayment Terms: Up to 40 years for real estate
Interest Rates: Competitive fixed and variable rates
Guarantee Fee: Typically 1%-3% of the guaranteed portion (may be financed)
We offer expert guidance to help you navigate the specific requirements of the USDA Community Facilities (CF) program, ensuring your project meets all necessary criteria. Our strong track record with community projects demonstrates our ability to deliver successful outcomes, no matter the complexity.
If you need capital sooner, we also offer bridge lending to keep your plans moving forward while your USDA loan is finalized. Our approach blends deep program expertise with personal attention, so you never feel like just another file on a desk.
From the first conversation to the final closing, we guide you through each step with clear communication, practical solutions, and a focus on getting your project funded as quickly and efficiently as possible.