Capital Investment Fund Loan Application

See information below on loan terms, eligibility, and rate options. If you are eligible for a loan, download the form below and fill out the information. When the form is complete, email to [email protected]. If you have any questions please contact us.

Loan Terms

  • Unsecured credit with no collateral or project approval requirement.
  • Interest-only quarterly repayment with principal due at maturity.
  • Up to 10-year terms.
  • Pre-approval for up to 12 months, with draw down when you need it.
  • $100,000 minimum. Loan maximum is based on a number of financial factors.
  • No prepayment or early principal payment penalty.
  • Loan fee of 1% of principal due at origination and upon renewal.


  • Rural community / economic development corporations, CDFIs serving rural and/or Native communities, housing commissions, and other nonprofit organizations engaged in community and economic development in rural places.
  • Serving rural communities under 50,000 people.
  • Meet minimum financial and impact rating for pre-approval (ask for details).

Rate Options (subject to change, effective as of 1/1/2024)

  • Variable rate: 5.0% (adjusts annually on January 1)
  • Fixed rate for 5 years: 5.5%
  • Fixed rate for 10 years: 5.8%