Programs & Services

Lending

RCAC’s Loan Fund is a financial resource for rural communities. The Loan Fund fills financing gaps and serves in areas that conventional markets traditionally neglect. We offer loans for affordable housing development, environmental infrastructure, community facilities and small businesses in rural locations. RCAC is a certified Community Development Financial Institution (CDFI), with an Aeris rating of 4 Stars AA plus Policy Plus.

Aeris rated 4 stars AA plus policy plus

  • Affordable Housing Loans

    Finance construction and rehabilitation of single- and multifamily housing for low-income families.


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  • Environmental Infrastructure Loans

    Financing to construct, improve or expand the supply of safe drinking water and waste disposal systems in the rural West.


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  • Community Facility Loans

    Financing to construct or improve essential community facilities in the rural West.


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  • Small Business Loans

    Financing for businesses to create or retain jobs.


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  • Household Water Well Loan/Grant Programs

    Low interest rate loans and grants to construct, refurbish or replace individual household and small (serving less than 15 connections) water well systems.


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  • Loan Programs at a Glance

    Which loan program(s) fits your needs? Read or download this overview of RCAC’s loan programs.


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  • Loan Fund Contacts

    Talk directly to a loan fund officer to answer your loan fund questions.


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Environmental

RCAC works with rural water, wastewater and solid waste systems to make them sustainable. Our services are directed to small, low-income communities in rural areas and Indian Country to ensure that they comply with state and federal regulations.

RCAC is a Rural Community Assistance Partnership (RCAP) member.

  • Water, Wastewater & Solid Waste Services

    On-site support to rural water and wastewater staff and boards to build, improve, finance, operate and manage systems, and solid waste management technical assistance and training.


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  • Water & Wastewater Training

    Provides a comprehensive array of training for rural water and wastewater staff and boards.


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  • Environmental Finance Center

    Models, tools and resources to help small rural communities and Tribes move forward with innovative solutions to infrastructure needs.


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  • Agua4All

    Brings safe drinking water to schools and public places in communities throughout rural California.


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  • Regionalization

    Facilitates a process to bring multiple small systems together to become more sustainable.


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  • Household Income Surveys

    Establishes real community incomes so communities qualify for better loan and grant terms from funding agencies.


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  • Rate Studies

    Assesses real operating costs and presents alternative rate structures for board consideration and adoption.


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  • Individual Well Program

    Provides free comprehensive well assessments and educational resources for private well owners, not regulated by SDWA.


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Housing

RCAC supports organizations that develop affordable single- and multifamily homes and operate programs that prepare rural residents for homeownership.

  • Housing Development

    Supports nonprofit organizations to develop affordable housing and community facilities in the rural West.


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  • Mutual Self-Help Housing

    Provides technical and managerial support to nonprofit organizations that operate USDA Rural Development Mutual Self-Help Housing program.


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  • 502 Direct Packaging Program

    Provides quality assurance reviews of packaged loan applications for USDA Rural Development’s Section 502 Single Family Housing Direct Loan Program.


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  • Housing Counseling

    Provides technical assistance, training, and financial support to a network of housing counseling agencies serving rural communities.


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  • Other Housing Options

    Provides a variety of technical and managerial support to rural nonprofit housing organizations and public housing authorities.


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  • Utah Capacity Building Collaborative

    Provide capacity building, operational support and development training to four rural Utah housing agencies to increase affordable housing options.


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Native Communities

All RCAC services are available to and have a priority to work with Tribes and Native communities. In addition, there are three programs designed specifically for Tribes.

  • Tribal Circuit Riders

    Work with water operators and administrators to ensure the delivery of safe drinking water on the Reservations served.


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  • NAWMA

    Brings utility staff from multiple Tribes together for peer learning opportunities and to build a professional network.


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  • THE Academy

    Is an intensive housing training program for organizations working in Native communities to improve and expand the housing supply and the skills of Native housing professionals.


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Community & Economic Development

RCAC’s comprehensive community and economic development services supports rural communities to create a vision, set goals and implement an action plan for community development projects.

  • Building Rural Economies

    Trains and builds community support for local entrepreneurial development based on local resources and supply chains.


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  • WealthWorks West

    Local and regional economic development that brings together and connects community assets to meet market demands in ways that build capacities and livelihoods that are sustainable over time.


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  • Leadership Development

    Strengthens local leadership, and grows new leaders to catalyze rural community development initiatives.


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  • Economic Development

    Provides technical and financial resources to rural businesses and start-ups.


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