Rural Microentrepreneur Assistance Program (RMAP) Microloans

Fixed-rate microloans made through local Microenterprise Development Organizations to very small rural businesses for working capital, equipment, supplies, refinancing and real estate improvements.

Run by

U.S. Department of Agriculture, Rural Development

Funding

Up to $50,000

Microloans to businesses capped at $50,000, fixed interest rate, up to 75% of project cost.

Your share

Loan covers up to 75% of project cost

Who can apply

• Business with 10 or fewer full-time employees
• Located in an eligible rural area, generally outside cities of 50,000 or more
• Loans come from a Microenterprise Development Organization (MDO) funded by USDA

How to apply

Contact a USDA-funded Microenterprise Development Organization or your USDA state office to find a lender.

Timing

Businesses borrow from MDOs on an ongoing basis. USDA notes its quarterly competitions for MDOs are on hold under a partial continuing resolution until the FY2027 funding notice is published.

Last checked

2026-10-11

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