Invest in Rural Illinois

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The treasurer's office is committed to stabilizing and growing rural parts of Illinois. A comprehensive impact investments program that commits $500 million in new money to flow through local banking institutions to help farmers, homeowners and employers who seek loans. This is believed to be the largest economic development program for rural Illinois to ever come from the treasurer’s office.


The $500 million will fund the newly developed the Access to Capital Community Uplift Program (CUP). It will provide money to lending institutions specifically to fund business growth or expansion as well as other worthy community development efforts. The capitalization also will support the already popular Ag Invest program that helps Illinois farmers and the Finally Home program that supports those who might not qualify for a traditional mortgage product. Finally Home can be used for first-time homebuyers.

Community Uplift Banner

Illinois has a number of rural and urban communities that struggle with unemployment, poverty, and large-scale business closings. These communities need private sector investment to stimulate business growth, job creation, and neighborhood revitalization.  The Access to Capital Community Uplift Program (CUP) does just that. CUP enables qualified financial institutions that operate in designated areas (i.e. Illinois Enterprise Zones, Opportunity Zones, Low-Income Communities) to access state investment capital at a lower rate, in the form of a time deposit. This gives banks, credits unions, and savings and loan institutions in struggling areas additional financial resources, which positions them to increase lending activities, fund more local development efforts, and provide direct aid to local communities and their residents.


Visit the Community Uplift Program webpage for additional information. 

Ag Invest Banner

The Illinois agriculture industry employs one in seventeen people either directly or indirectly. For over 34 years, the Treasurer's office has been providing opportunities for Illinois farmers through the Ag Invest program.


Through a $200 million commitment to Ag Invest, the Treasury partners with approved financial institutions to provide qualified farmers and agriculture professionals below market rate loans to start, expand or add value to their farm operations. By offering reduced interest rate loans, the Treasury aims to lower the overall cost of improving a farm or value added business. The loans provided by the financial institution can be used for the purchase farm equipment, purchase of land, construction related expenses, or other costs related to conventional, sustainable, or value added farming.


Visit the Ag Invest webpage for more information about the loan possibilities for your farm.

Finally Home Banner

Finally Home is a free program that helps Illinois residents purchase or refinance a home, as well as helps prevent their existing home from going into foreclosure. This program is suitable for residents who have difficulty qualifying for conventional, sustainable mortgages because of factors such as bruised credit or a high debt-to-income ratio. Since its establishment in 2002, it has guaranteed over $80 million in loans to more than 600 families. 


Visit the Finally Home webpage for more information to help you manage the home ownership process.