Loan & Grant Application Assistance

Since 1984, CHR consultants have prepared or overseen the preparation of over 300 loan applications on behalf of our clients, securing more than $1.7 billion dollars in loans and grants from the government and many lending institutions. Our engineers are highly experienced in all technology aspects needed to secure financing and plan long range system design and cost analysis.


Usually, the easiest and most convenient way to finance an upgrade is via the use of general funds. However, general funds alone are usually not sufficient to allow for the complete implementation of these new technologies. At this point, the next question usually is "What other options do we have?" You have several options available:

  1. Rural Utilities Service (RUS) - Traditional
    The Rural Utilities Service (RUS) makes loans to furnish and improve communications service in rural areas. Loans made or guaranteed by RUS will be made in conformance with the Rural Electrification Act of 1936. RUS provides borrowers specialized and technical accounting, engineering and other managerial assistance in the construction and operation of their facilities when necessary. The various types of RUS loans include RUS Hardship Loans, RUS Concurrent Loans and FFB Guaranteed Loans.
  2. Rural Utilities Service - Broadband
    The Rural Broadband Access Loan and Loan Guarantee Program is designed to provide loans for funding, on a technology neutral basis, the costs of construction, improvement and acquisition of facilities and equipment to provide broadband services to eligible rural communities. The goal of the program is to ensure that rural consumers enjoy the same quality and range of communications services that are available in urban and suburban communities.  Whether you are trying to secure a Direct Cost-of-Money Loan, Private Loan Guarantee, or Direct 4 Percent Loan - CHR can help.
  3. Rural Telephone Finance Cooperative
    The Rural Telephone Finance Cooperative (RTFC) provides various types of short and long term financing to complete the necessary upgrading that you as a borrower may be looking for. Payment schedules and interest rates will vary based on the amount borrowed and longevity of the payback period.
  4. Commercial Lenders
    Other lending institutions provide various short/long term loans. Qualifications and interest rates vary from one institute to another (Commercial Banks, Trust Companies, Mortgage Companies, Insurance Companies, and Institutional Investors).
  5. State Funding
    Several states have implemented broadband programs to promote broadband deployments in rural areas. CHR has helped several companies navigate their specific state level requirements to successfully complete applications that have resulted in funded projects.  

Application Process

CHR's engineering team works with your organization and regulatory/financial partners to deliver the engineering, technology selection, budgets and project plans to complete an application for any of the above mentioned grant and/or loan programs. Our team has extensive experience working with Federal organizations, such as RUS and the FCC, to successfully acquire grants and loans for rural carriers to fund Network Upgrades. CHR assists with these areas covering the major requirements generally outlined in the process:

  • Executive Summary/Justification
  • Technical Feasibility
  • Census block maps
  • Project Schedule
  • Project Budget
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