Community Facility Loans

1.855.979.7322

RCAC's Community Facilities Loan Program offers loans to develop and improve essential community facilities that primarily serve populations with low-income in the rural West. This program offers short-term loans to meet early acquisition and pre-development needs, interim construction costs, and long-term permanent financing.

Applicable facilities include public and nonprofit office buildings, treatment centers, emergency and transitional housing, assisted living, human services, public safety, child care, education, and cultural facilities. Many other types of projects are eligible.

Community facility projects that include green building methods and materials may qualify for priority in loan application processing.

Projects must be located in rural areas with populations of 50,000 or less in Alaska, Arizona, California, Colorado, Hawaii and other Pacific islands, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. In instances where the U.S. Department of Agriculture (USDA) Community Facility loan program is used as the take-out source for an RCAC short-term loan or as a guarantor for an RCAC long-term loan, the rural area population limit is 20,000.

Applications will be accepted from:

• Nonprofit organizations
• Public agencies
• Tribal governments

Loan amounts vary, based on loan product, project type, and terms.

Links to guidelines and required forms are available on the program website.