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U.S. Department of Agriculture Intermediary Relending Program (IRP) Loan

U.S. Department of Agriculture Intermediary Relending Program (IRP) is designed to alleviate poverty and increase economic activity and employment in rural communities with a population of less than 25,000.

Eligible Borrowers:

  • Small for-profit businesses
  • Small non-profit businesses
  • Must be located in a rural area with a population of less than 25,000

Loan Amounts

  • Maximum: $250,000
  • Minimum: $50,000

Guaranty Percentages

  • N/A


  • Real estate: Up to 20 years
  • Machinery or equipment: Up to 15 years
  • Working capital: Up to 7 years

Approved Uses of Proceeds

  • Acquisition of business or business facility
  • Construction
  • Conversion
  • Enlargement or repair
  • Purchase or development of land
    • Easements
    • Rights of way
    • Buildings/facilities
    • Leases
    • Materials
  • Equipment purchases
  • Leasehold improvements
  • Purchase of machinery or supplies
  • Start-up costs
  • Working capital
  • Pollution control and abatement
  • Transportation services
  • Feasibility studies
  • Hotels/motels/B&Bs/convention centers

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