REAP changed on October 1, 2026. USDA now funds projects after they are built and running. See what changed
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Project financing

Build now, get REAP later. Get help funding the gap.

Under the new rule, USDA funds projects after they have been finished for at least 12 months (7 CFR §4280.122(a)(1)), and the grant can cover at most 25% of project cost (7 CFR §4280.122(a)(3)). That means you need to fund the whole project up front. We can help you line up options.

Last updated . Reflects USDA's October 1, 2026 final rule.

  • Business owners and contractors
  • Solar, wind, and efficiency
  • No obligation

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Why financing matters more now

  • The project must be completed 12 to 24 months before you apply, so the money is spent before any grant is awarded. (7 CFR §4280.122(a)(1), (a)(6))
  • You must cover at least 75% of the project cost yourself, and REAP grants plus REAP guaranteed loans together cannot exceed 75% of project cost. (7 CFR §4280.122(a)(3), (b)(20))
  • Leases, power purchase agreements, and lease-to-own setups don't work: the business must own the system. (7 CFR §4280.120(a)(6))
  • Your latest fiscal year must show positive cash flow and a current ratio of at least 1:1. (7 CFR §4280.120(a)(7))

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