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Rural Economic Development Loan and Grant Program is a grant from the U.S. Department of Agriculture (USDA) that funds rural job creation and economic development projects through local utility organizations. USDA provides zero-interest loans up to $1 million to Rural Utilities Service (RUS) electric and telecommunications borrowers, which they pass through to local businesses and community projects.
Grants up to $300,000 are available to establish Revolving Loan Funds for ongoing rural lending. Eligible uses include community development assistance, facilities and equipment for education and medical care, and start-up venture costs. A 20% match is required for grants.
Eligible applicants are current or former RUS electric or telecommunication borrowers and not-for-profit utilities eligible under the Rural Electrification Act.
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# Rural Economic Development Loan & Grant Programs | Rural Development **Official websites use** A **. gov** website belongs to an official government organization in the United States.
**Secure websites use HTTPS** Rural Development U.S. Department of Agriculture * Director of State Office Operations * Rural Business-Cooperative Service * Rural Utilities Service * Healthy Food Financing Initiative * Interagency Working Group on Cooperative Development * Substantially Underserved Trust Area (SUTA) * Cybersecurity for Water and Wastewater Systems * Community Facilities Programs * Multifamily Housing Programs * Single Family Housing Programs * Telecommunications Programs * Water & Environmental Programs * Program Support Services * General Terms and Conditions * General Terms and Conditions - Legacy View all General Terms and Conditions * For Water & Environmental Engineers * Rural Development Disaster Assistance View all Programs & Services * Stakeholder Announcements ### **Ohio Feed Mill Modernizes with USDA Lending Partnership** Towering over the main intersection of Baltic, Ohio, is the Gerber & Sons, Inc. feed mill.
Since it first started in 1905, this family-owned business in rural Holmes County has produced custom feed mix and bulk feed for local livestock and poultry farmers...
* Publications for Cooperatives * Regulations and Guidance View all Regulations and Guidance * Guaranteed Underwriting System (GUS) * LINC Contact and Resources View all LINC Training Library * RD Forms Help and How To Videos ### Human Resources Inquiries ### **Existing Home Loan Borrower Inquiries** PO Box 66889 St. Louis, MO 63166 1. [](https://www.
rd. usda. gov/) 4.
Rural Economic Development Loan & Grant Programs * Community Facilities Programs * Multifamily Housing Programs * Single Family Housing Programs * Telecommunications Programs * Water & Environmental Programs * Program Support Services * General Terms and Conditions * General Terms and Conditions - Legacy * For Water & Environmental Engineers * Rural Development Disaster Assistance # Rural Economic Development Loan & Grant Programs Program Application Period: The deadlines for complete applications to be received in the RD State Office for quarterly funding competitions are no later than 4:30 p.
m. (local time) on: First Quarter, September 30, 2025 Second Quarter, December 31, 2025 Third Quarter, March 31, 2026 Fourth Quarter, June 30, 2026 Applications are accepted from Current Rural Utilities Service (RUS), electric or telecommunication borrower, former RUS borrower or any not-for-profit utility for projects that will create and retain employment in rural areas.
To begin, contact a program official in your state (see contact tab below) to review the requirements for completing an application. The preparation process can take anywhere from a few weeks to several months, depending on the complexity of the application and the completeness of the materials provided.
For state specific information: * **Notice:**This program is only open to current or former Rural Utilities Service Electric or Telecommunication borrowers and not-for-profit utilities eligible under the Rural Electrification Act. **What do these programs do? ** The Rural Economic Development Loan and Grant programs provide funding for rural projects through local utility organizations.
USDA provides zero-interest loans to local utilities which they, in turn, pass through to local businesses (ultimate recipients) for projects that will create and retain employment in rural areas. USDA provides grants to local utility organizations which use the funding to establish Revolving Loan Funds (RLF). Loans are made from the revolving loan fund to projects that will create or retain rural jobs.
When the revolving loan fund is terminated, the grant is repaid to USDA.
To receive funding for a grant and/or loan an entity must be: * Current Rural Utilities Service (RUS), electric or telecommunication borrower, * Any former RUS borrower that has repaid or prepaid an insured, direct or guaranteed loan under the Rural Electrification Act, * Or any not-for-profit utility that is eligible to receive an insured or direct loan under such Act. **What is an eligible area?
** Intermediaries) may use funds to lend for projects in rural areas or towns with a population of fewer than 50,000 residents. Visit our Eligibility site to search for eligible rural areas. **How much funding is available to local utilities?
** * **Maximum Grant Amount**: $300,000 to establish the Revolving Loan Fund. * Up to 10 percent of grant funds may be applied toward operating expenses over the life of the Revolving Loan Fund. * **Maximum Loan Amount**: $1 million.
The local utility applies to USDA for funding support on behalf of specified local projects. Projects may begin after submission of an application, but there is no guarantee of approval. If approved, USDA will then issue funds to the local utility for the specified project.
**How may funds be used? ** The local utility passes the funding to ultimate recipients for such eligible projects as: * Community development assistance to nonprofits and public bodies (particularly for job creation or enhancement). * Facilities and equipment to educate and train rural residents to help economic development.
* Facilities and equipment for medical care for rural residents. * Start-up venture costs, including, but not limited to, financing fixed assets such as real estate, buildings, equipment, or working capital. **NOTE:**7 CFR, Part 4280.
27 and 7 CFR, Part 4280. 30 list ineligible uses. **What are the terms for the local utility?
** •10 years at zero percent interest. •Grants require a 20 percent match from the local utility. •Grants must be repaid to USDA upon termination of the Revolving Loan Fund.
**What are the terms on the loan to the ultimate recipient? ** * The interest rate is zero percent. * Up to 80 percent of project costs; 20 percent must be provided by the ultimate recipient or the local utility.
* The local utility may incorporate interest rates or administrative loan fees after the funds have been loaned out and revolved once. First-time loans are at zero percent interest. * Repayment may be deferred up to two years for projects including a start-up venture or Community Facilities project.
**How do we get started? ** Applications for these programs are accepted through your local office year-round. You should work with your local office to acquire the documents needed to apply.
**Who can answer questions? ** **What law govern these programs? ** Citations and other information may be subject to change, please always consult the program instructions listed in this section.
* Basic Program – Code of Federal Regulations, 7 CFR, Part 4280. * Loan/Grant Servicing – Code of Federal Regulations, 7 CFR, Part 4280 and 2 CFR Part 200. * These programs are authorized by the Rural Electrification Act of 1936.
**Why does USDA Rural Development do this? ** Rural Development undertakes these programs to promote rural economic development and job creation projects. **NOTE:** If state specific forms are not shown above, please ensure that your state is selected in the dropdown menu above to find the State Office contact information and speak to a Business Programs Specialist before attempting to fill out any forms or applications.
This will save you valuable time in your application. RBCS How-To Apply Video Series for Applicants You may also access the Code of Federal Regulations, 7 CFR, Part 4280. There are no additional requirements.
Please select your state in the dropdown menu above to find your local contact for these programs. Persons with disabilities that require alternative means for communication should contact the U.S. Department of Agriculture (USDA) Target Center at(202)720–2600 (voice).
* Report Fraud on USDA Contracts * Architectural Barriers Act * USDA Equal Employment Opportunity Policy Statement * Non-Discrimination Statement Rural Development U.S. Department of Agriculture
According to the current listing, eligibility includes: Current Rural Utilities Service (RUS) electric or telecommunication borrowers, former RUS borrowers, not-for-profit utilities. Confirm the full requirements in the official notice before applying.
The current listing shows grants up to $300,000; zero-interest loans up to $1 million. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Applications for Rural Economic Development Loan and Grant Program are due September 30, 2026. This is a quarterly program. Build your timeline backwards from this date to cover registrations, approvals, and final submission checks.
Rural Economic Development Loan and Grant Program is funded by U.S. Department of Agriculture (USDA). Verify program details on the funder's official page before applying.
Yes — this listing is flagged as national in scope, so applicants across the U.S. may apply, subject to the sponsor's other eligibility criteria.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
Texas Rural Women Grant is a grant from Texas Woman's University Center for Women Entrepreneurs that funds women-owned small businesses in rural Texas counties. The program encourages and enables rural small businesses to undertake new and innovative projects, fostering economic development in underserved communities. Eligible applicants are women-owned businesses located in rural Texas counties with populations under 50,000, established before June 19, 2023. Ten awards of $10,000 each are available for a total of $100,000. The application deadline is June 5, 2026.
Notice of Funding Opportunity for the Rural Economic Development Loan and Grant Programs for Fiscal Year 2026 is sponsored by Agriculture Department; Rural Business-Cooperative Service. The Rural Business-Cooperative Service (RBCS or Agency), a Rural Development (RD) agency of the United States Department of Agriculture (USDA), invites applications for loans and grants under the Rural Economic Development Loan and Grant Programs (REDLG or Programs) for fiscal year (FY) 2026, subject to the availability of funding. This notice is being issued prior to the passage of a FY 2026 Appropriations Act, which may or may not provide funding for this program, to allow applicants sufficient time to leverage financing, prepare and submit their applications, and give the Agency time to process applications within FY 2026. Based on FY 2025 appropriated funding and current budget situation, the Agency estimates that approximately $50,000,000 for Loans and $10,000,000 for Grants will be available for FY 2026. Successful applications will be selected by the Agency for funding and subsequently awarded to the extent that funding may ultimately be made available through appropriations. All applicants are responsible for any expenses incurred in developing their applications. Action: Notice. Published in the Federal Register on 2025-09-15. Federal Register document number: 2025-17770.
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