USDA Rural Development. Business Programs
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1 USDA Rural Development Business Programs
2 Assistance for Businesses Business & Industry Guaranteed Loans (B&I) Rural Energy for America Program (REAP) Rural Economic Development Loan (RED-L) Value Added Producer Grants (VAPG)
3 Business & Industry (B&I) Guaranteed Loans National Program Funding $1.0 billion
4 Business & Industry Guaranteed Loan Totals in Kansas Fiscal Year Amount 2015 $17,900, $13,000, $9,600, $16,600, $20,500, $56,700, $ 7,370,000
5 B&I Eligibility Location Borrower/Entity Type of Project
6 B&I Eligible Areas Population of 50,000 or less 2010 census and maps used
7 B&I Eligible Borrowers Type of entity Citizenship Rural Area
8 B&I Past Projects in Kansas Manufacturing Retail Business Hotel Professional Health Care Office
9 B&I Eligible Loan Purposes Expansion Machinery & Equipment Business Purchases Construction Costs Start up working capital Not line of credit
10 B&I Eligible Loan Purposes Refinancing Some limitations, including when necessary to improve cash flow and create or save jobs Agricultural Production Fully integrated business Tourist and Recreational Facilities Packaging Fees
11 B&I Ineligible Loan Purposes Line of Credit Owner-Occupied Housing Golf Courses Gambling Facilities
12 Percentage of Guarantee 80% up to $5 Million 70% over $5 Million to $10 Million 60% over $10 Million to $25 Million
13 B&I Loan Rates and Terms Rate Lender and borrower negotiate Interest rates, fixed or variable Maximum Terms 7 years start up and working capital 15 years on machinery and equipment 30 years real estate and improvements
14 B&I Borrower Equity Requirements 10% tangible balance sheet equity for existing business 20% tangible balance sheet equity for new business USDA RD measures equity in accordance with Generally Accepted Accounting Principles (GAAP)
15 B&I Loan Fees Guarantee Fee: 3% x loan x% of guarantee Paid when guarantee is issued ½% annual renewal fee Other Loan Charges allowed Routine Lender Fees/Professional Services
16 B&I Program Inability to obtain other credit is not a requirement Not just for rural areas as many might define a rural area Not just for agricultural related business
17 B&I Guaranteed Loan Recipient Sharp Bros Seed Company located in Healy, Kansas
18 Rural Energy for America Program (REAP) Renewable Energy Systems & Energy Efficiency Improvements Program Grants Guaranteed Loans
19 Eligible Applicants
20 Improve Profits for Your Rural Small Business, Farm or Ranch with REAP The technology must be commercially available. Research and development projects do not qualify.
21
22 REAP Grant Assistance Up to 25% of Eligible Project Cost
23 REAP Guaranteed Loan Assistance Up to 75% of Eligible Project Costs Minimum Loan Amount $5,000 Total eligible project costs $6,667 Maximum Loan Amount $25 million Total eligible project costs $33.4 million Details USDA guarantees a commercial loan, applicant must have a willing lender Terms are negotiated between the lender and borrower Fees, appraisals, equity and collateral requirements apply
24 REAP Application Window Closing Deadlines October 31 Grant requests $20,000 or less April 30 Grant request $20,000 or less Grant request $20,000 Combination Grant/Loan Request Continuous Application Cycle Guaranteed Loans Loan must score a minimum of 50 to compete monthly First monthly competition held once eight applications are on file
25 Chicken Farm REAP Energy Efficiency Radiant heat, fans, vents and computerized controls $99,293 Total Cost $20,000 REAP Grant $79,293 Commercial Loan Improved egg production, reduced time and labor, energy savings
26 Veterinary Hospital Renewable Energy Rooftop solar panels $148,050 Total Cost $ 20,000 REAP Grant $128,050 Applicant Funds 30-40% reduction in operating expenses
27 Laundromat & Dry Cleaner Energy Efficiency Energy efficient equipment $42,040 Total Cost $10,510 REAP Grant $31,531 Dealer Financing 52% energy savings
28 Nursery Energy Efficiency Energy efficient glass roof, radiant heat, fans, vents, & computerized controls $287,855 Total Cost $ 71,964 REAP Grant $100,000 REAP Guarantee $115,891 Commercial Loan 40% reduction in energy costs
29 Rural Manufacturer Efficient lighting system $78,511 Total Cost $19,695 REAP Grant $58,816 Applicant Funds 50% savings on lighting bill Grocery Store Energy efficient cooler doors $41,363 Total Cost $8,827 REAP Grant $2,950 Electric Co-op Rebate $500 per month savings
30 Grocery Store Renewable Energy Geothermal heat, energy efficient coolers and lighting $198,600 Total Cost $49,650 REAP Grant $148,950 Commercial Loan 40% reduction in energy costs
31 Flower & Gift Shop Energy Efficiency Energy efficient heating and cooling, insulation $34,509 Total Cost $8,627 REAP Grant $17,200 REAP Guarantee $8,682 Applicant Funds 60% reduction in energy costs
32 How to Apply Contact a USDA Rural Development Business Program Specialist: Doug Bruggeman, Katie Casper, Travis Snider or David Kramer REAP application forms are available at: Submit applications any time of year Applications compete for funding based on score throughout the year
33 Rural Economic Development Loan & Grant Program
34 REDLG Program Overview Loan up to 80% of a project cost Project must be in a rural area National competition for funds (monthly)
35 REDLG Program Overview Loan made to eligible Electric or Telecom intermediaries that re-lend/pass loan on to a business Intermediary may charge 1% fee and require letter of credit to secure their loan $1 million maximum loan in federal fiscal year 2015 Repayment over 10 years
36 Schwinn Produce Farm & The Barn in Leavenworth, Kansas.
37 Value Added Producer Grant Program (VAPG)
38 VAPG Value-Added Producer Grants assist agricultural producers enter into value-added activities related to the processing and/or marketing of value-added products Working Capital up to $250,000 Planning grants up to $75,000 Requires a $1 producer match for each grant $1
39 VAPG Eligible Applicants Independent producers, Farmer and rancher cooperatives, Agricultural producer groups, Majority controlled producer-based business ventures Funds Can Be Used For: Processing cost Marketing and advertising expenses Some inventory and salary expenses VAPG funds cannot be used to build facilities, produce the raw commodity or purchase equipment
40 VAPG Start working with us today on the application Contact Nancy Pletcher (785)
41 Gary s Berries in Grantville, Kansas.
42 Wiebe Dairy in Durham, Kansas.
43 Wine Barn Winery and Vineyard is located in Kansas City, Kansas.
44 Nu Life Market based in Scott City, Kansas.
45 USDA RD Business Programs Staff in Kansas Randy Snider, Business Programs Director, Iola Area Office, (620) , Ext. 1430, Doug Bruggeman, Business Programs Specialist, Hays Area Office, (785) , Ext. 1435, Katie Casper, Business Programs Specialist, Iola Area Office, (620) , Ext. 1427, David Kramer, Business Programs Specialist, Topeka State Office, (785) , Ext. 2736, Nancy Pletcher, Business Programs Specialist, Topeka State Office, (785) , Ext. 2733, Travis Snider, Business Programs Specialist, Newton Area Office, (620) , Ext. 1439,
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