A USDA Rural Energy for America Program (REAP) loan provides affordable financing for agricultural producers earning income from farming, and rural small businesses looking to lower energy costs and improve efficiency. Designed to reduce operating expenses while promoting sustainability, REAP loans help rural enterprises modernize their operations and invest in a cleaner, more profitable future.
USDA REAP loans are available to a variety of rural-based entities, including:
Agricultural producers
Rural small businesses
USDA REAP loan funds can be used for a wide range of purposes, including:
Solar, wind, biomass, and geothermal systems
Energy-efficient lighting, HVAC, or insulation upgrades
Modernization of systems to reduce energy consumption
At Phoenix, we understand the unique opportunities and challenges that come with renewable energy and energy-efficiency projects in rural communities. Our team has deep experience guiding agricultural producers and rural small businesses through the USDA REAP program, ensuring your project meets all eligibility requirements and is structured for maximum financial benefit.
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.