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Intermediary Relending Program (IRP)

USDA lends to local intermediaries, which re-lend to businesses to start, expand or improve operations in rural communities.

Run by

USDA Rural Development

Funding

Up to $400,000

Lesser of $400,000 or 50% of the intermediary's IRP loan; rates and terms set by the intermediary.

Who can apply

Project must be in a rural area (towns under 50,000 population)
Majority owned by US citizens or permanent residents
Unable to obtain affordable commercial credit elsewhere
No delinquent federal debt

How to apply

Contact a local IRP intermediary (often a nonprofit or community lender) in your area and apply to them directly; your USDA Rural Development state office can name them.

Timing

Apply to a local IRP intermediary lender.

Last checked

2026-10-11

Official page ↗

BizGrantAI is an independent guide, not a government agency. Rules and amounts change, so always confirm on the official page before applying. We never charge for applications.