RCAC’s Loan Fund is a financial resource for rural communities.
Loan Fund Programs At-A-Glance
This chart lists RCAC’s array of loan fund products, terms and loan fund officer contacts in your area.
Biomass Utilization Fund
Loans to small businesses, nonprofits and public entities including federally recognized Tribes located or locating in Tuolumne County that will provide an alternative to pile burning of forest waste.
Affordable Housing Loans
Finance construction and rehabilitation of single- and multifamily housing for low-income families.
Environmental Infrastructure Loans
Financing to construct, improve or expand the supply of safe drinking water and waste disposal systems in the rural West.
Community Facility Loans
Financing to construct or improve essential community facilities in the rural West.
Small Business Loans
Financing for businesses to create or retain jobs.
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.
Idaho SRF – Household Septic System Program
Low interest rate loans/grants available to refurbish or replace individual septic systems.
RCAC works with rural water, wastewater and solid waste systems to make them sustainable. Our environmental services are directed to small, low-income rural and Indigenous communities to ensure that they comply with state and federal regulations.
RCAC is a Rural Community Assistance Partnership (RCAP) member.
Water, Wastewater & Solid Waste
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.
Water & Wastewater Training
Provides a comprehensive array of training for rural water and wastewater staff and boards.
Environmental Finance Center
Models, tools and resources to help small rural communities and Tribes move forward with innovative solutions to infrastructure needs.
Brings safe drinking water to schools and public places in communities throughout rural California.
Facilitates a process to bring multiple small systems together to become more sustainable.
Household Income Surveys
Establishes real community incomes so communities qualify for better loan and grant terms from funding agencies.
Assesses real operating costs and presents alternative rate structures for board consideration and adoption.
Individual Well Program
Provides free comprehensive well assessments and educational resources for private well owners, not regulated by SDWA.
RCAC’s housing programs supports organizations that develop affordable single- and multifamily homes and operate programs that prepare rural residents for homeownership.
Supports nonprofit organizations to develop affordable housing and community facilities in the rural West.
Mutual Self-Help Housing
Provides technical and managerial support to nonprofit organizations that operate USDA Rural Development Mutual Self-Help Housing program.
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.
Provides technical assistance, training, and financial support to a network of housing counseling agencies serving rural communities.
Other Housing Options
Provides a variety of technical and managerial support to rural nonprofit housing organizations and public housing authorities.
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.
Brings utility staff from multiple Tribes together for peer learning opportunities and to build a professional network.
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.
Community Development Loans
Low interest, long- and short-term loans available for Tribes, Tribal communities and individual Native Americans in AZ and NM for small business, housing and community facility projects.
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 value chains.
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.
Strengthens local leadership, and grows new leaders to catalyze rural community development initiatives.
Provides technical and financial resources to rural businesses and start-ups.