Rural Telecommunications Loans

Telecommunications Infrastructure Loan Program
CFDA 10.851 Active Direct Loan Loan Guarantee
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Program Funding

Annual program obligations reported to SAM.gov.

Latest annual funding (estimated)
$550M FY2026
$121.8M
FY25
$550M
FY26*
* estimated

Funded Projects

Examples of what this program has supported.

FY2025 For FY 25, the program received 13 applications and awarded 9. The 4 applications that were unfunded have been carried over to FY 26 for processing.
FY2026 It is anticipated that 25 applications will be received and 20 awards will be made in FY 26.

Program Objective

This program provides loans for the construction, maintenance, improvement, and expansion of telecommunications services (telephone and broadband) in rural areas. In facilitating the construction of new and improved infrastructure, the program will fuel long-term rural economic development and opportunities in rural America.

Eligibility

Eligible Applicants

  • Federally Recognized Tribal Government
  • Municipality/Township Government
  • Tribal
  • Nonprofit Organization
  • Not-for-Profit Organization
  • For-Profit Organization
  • Tribal Government (other)
  • U.S. Territory Government

Telephone companies or cooperatives, nonprofit associations, limited dividend associations, mutual associations or public bodies including those located in the U.S. Territories and countries included in the Compact of Free Association Act of 1985, providing or proposing to provide telecommunications service to meet the needs of rural areas.

How to Apply

Award Procedure

The RUS Administrator, Assistant Administrator, or Deputy Assistant Administrator makes the final decision on approval of the loan or loan guarantee upon a finding that it is economically feasible and serves the purposes of the Rural Electrification Act. Borrowers and Members of Congress are notified of the approval of a loan or loan guarantee directly, and the public is notified through normal media communications.

Decision Timeline

  • Approval: From 90 to 120 days

Application are processed on a first-come, first-served basis. Normal loan processing time is from 3 to 4 months.

Program details & compliance

Description

The purpose of this program is to provide loans to rural telecommunications providers for the construction of new and improved telecommunications systems in rural America.

Mission Categories

Primary: Rural Community Development

Other categories:
Economic Development

Use of Funds

Allowed Uses

This program provides long-term direct and guaranteed loans to qualified organizations for the purpose of financing the improvement, expansion, construction, acquisition, and operation of telephone lines, facilities, or systems to furnish and improve Telecommunications, 911 and Emergency Communications services in rural areas. "Rural area" is defined as any area of the United States, its territories and insular possessions (including any areas within the Federated States of Micronesia, the Republic of the Marshall Islands, and the Republic of Palau) not included within the boundaries of any incorporated or unincorporated city, village, or borough having a population exceeding 5,000 inhabitants (20,000 for 911 and emergency communications purposes). The population figure is obtained from the Bureau of Census. For purposes of the "rural area" definition, the character of an area is determined at the time the initial loan for the system is made.

Reporting & Compliance

Records Retention
20 years

Applicable 2 CFR 200 Subparts

  • Subpart B — General Provisions
  • Subpart C — Pre-Federal Award Requirements
  • Subpart D — Post-Federal Award Requirements
  • Subpart E — Cost Principles
  • Subpart F — Audit Requirements

Contacts

Assistant Administrator, Telecommunications Program, Rural Utilities Service
(202) 720-9554
Rural Utilities Service, 1400 Independence Avenue, SW.,STOP 1590, Room 5151, Washington, DC 20250
Data from SAM.gov Federal Assistance Listings. Source published: 2026-02-03. Spec v2.0. Last synced: 2026-05-29 05:37:17.