30+ years of service


RCAC’s Loan Fund is a financial resource for rural communities. The Loan Fund fills financing gaps and serves in unconventional markets. We offer loans for affordable housing development, environmental infrastructure, community facilities and small businesses in rural locations. Our staff serve rural communities in Alaska, Arizona, California, Colorado, Hawaii and other Pacific islands, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington and Wyoming.

To talk to a loan officer in your area, call 1-855-979-7322

Aeris Rated 4 stars AA policy plusRCAC created its Loan Fund in 1988 and was later certified as a Community Development Financial Institution (CDFI). We hold an Aeris rating of 4 Stars AA Policy Plus.  The rating is based on a comprehensive review of the RCAC Loan Fund and the entire RCAC organization. We are also licensed by the California Department of Business Oversight #60DB0 83068.

As of June 30, 2023, RCAC closed 1,764 loans which totaled $839,272,572 and leveraged more than $2.877 billion for projects in rural communities. These loans supported 152,414 individual water and wastewater connections for rural citizens; 16,789 housing units; 11,706,006 sq. feet of community facility space; and created or retained 29,358 jobs. RCAC currently has 383 loans under management, totaling more than $93,021,578. Additionally, RCAC manages 51 loans totaling more than $33 million on behalf of other lenders and investors.

Title VI notice to borrowers

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: crcomplaints@treasury.gov.


New lending opportunities

Community development loans

Low interest, long- and short-term loans available for Tribes, Tribal communities and individual Native Americans in Arizona and New Mexico for small business, housing and community facility projects.

Community Development Loans
Loan Programs & Rates
Loan Fund Contacts

California Lenders License: Licensed by the California Department of Financial Protection & Innovation — #60DB0 83068