NRWA Offers Pre-Development Loans for Small Systems

Did you know that in addition to the state DWSRF program and state-directed setaside programs, the National Rural Water Association (NRWA) operates a loan fund (the NRWA Revolving Loan Fund or “RLF”) that provide financing to eligible utilities for pre-development costs associated with proposed water and wastewater projects?  According to their website, “RLF funds can also be used with existing water/wastewater systems and the short term costs incurred for replacement equipment, small scale extension of services or other small capital projects that are not a part of your regular operations and maintenance.”

Applicant systems must be public entities with populations of 10,000 or less or rural areas with no population limits.  Municipalities, counties, special purpose districts, tribes, and corporations not operated for profit, including cooperatives, are all considered to be eligible for the loan program.  Loan amounts are capped at the lesser of $100,000 or 75% of the total project cost and will be made at the lower of the poverty or market interest rate as published by USDA Rural Utilities Service, with a minimum of 3% at the time of closing.

The NRWA Revolving Loan Fund was established under a grant from USDA/RUS.  For more information about the RLF program, please go to



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