Land loans in Idaho, underwritten on the land.

Most borrowers know us for land. Fewer realize that through the USDA Rural Development OneRD Guarantee program we also finance the businesses and infrastructure that surround it — projects from roughly $250K to $50MM+ located in eligible rural communities across Idaho. OneRD consolidates several legacy USDA programs into a single guarantee, which can support longer amortizations, higher advance rates, and lender participation on deals conventional credit alone won't reach.

We work alongside your existing advisors — CPAs, attorneys, engineers, developers, and local banks — when a project needs capital stacked from more than one source. That often means pairing a USDA-guaranteed loan with conventional senior debt, tax credits, grant funds, seller financing, mezzanine, or owner equity so the total package clears underwriting without over-leveraging the sponsor. Our role is to structure the stack, place each layer with the right institution, and keep the pieces moving toward one closing.

• Eligibility screening against USDA rural area and population thresholds
• Capital stack design across guaranteed, conventional, grant, and equity sources
• Lender placement from our institutional network — not a single-bank outcome
• Coordination with your CPA, counsel, engineers, and general contractor
• Guidance through appraisal, environmental review, and USDA conditions to closing