USDA Community Facilities Loan Program


The United States Department of Agriculture Community Facilities (USDA CF) loan program is used to develop essential community facilities in rural areas.

As its name implies, an “essential community facility” provides essential services for the orderly development of a primarily rural local community (defined as less than 20,000 residents according to the last federal census). In the USDA definition, such a facility would not include private, commercial, or business undertakings.

Borrowers include public entities, community-based non-profit corporations, and federally-recognized Tribes.


  • CF can be used to purchase, construct and/or improve essential community facilities, purchase equipment, and pay related project expenses
  • Terms are based on the useful life of the facility or equipment, up to a maximum 40 years
  • Loans are low-interest direct from the USDA and the rate is fixed for the life of the loan
    • The rate is determined by the median household income of the service area and population of the community
  • There are no pre-payment penalties

Projects options are numerous:

Health care: hospitals, medical clinics, nursing/assisted living facilities

Public facilities: town halls, courthouses, street improvements

Community support: community centers, fairgrounds, child care centers, transitional housing

Public safety: fire departments, police stations, prisons, police/fire/public works vehicles, equipment

Educational: museums, libraries, private schools

Utility services: telemedicine, distance learning equipment

Food systems: food banks/pantries, food hubs, community gardens/kitchens

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Seedcopa welcomes your call or email to discuss how this loan may fit your needs!