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Rural Community Development Revolving Loan Program is sponsored by Florida Rural Water Association (FRWA). This program provides financial assistance to local governments in the form of either a loan or loan guaranty for specific projects that will lead to the creation of new jobs and increase the economic vitality and diversification of Florida's rural counties.
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ARWA :: Revolving Loan Fund Program Alabama Rural Water Association What is the Revolving Loan Fund? The ARWA Revolving Loan Fund (RLF) was established with funds from the USDA Rural Business Service to provide financing to eligible utilities. RLF funds can be used by existing water/wastewater systems to finance short term costs incurred for equipment or other small capital projects.
Systems that are eligible include municipalities, authorities, non-profit corporations, and cooperatives with up to 25,000 in population for incorporated areas, and no population limit for unincorporated areas. Systems must be unable to finance the proposed project from their own resources or through commercial credit at reasonable rates Repayment period is flexible depending on the project. What Are the Loan Amounts?
Loan amounts may not exceed $150,000. What is the Interest Rate? The program features attractive interest rates that are based on the current USDA Rural Utility Service interest rates.
USDA interest rates are subject to change quarterly. Rates are fixed for the life of the loan. The minimum interest rate is 3%.
What are the Collateral Requirements? At a minimum, a promissory note or comparable document authorized by the governing body is required. Additional security may be required if deemed necessary by the RLF administrators.
RLF loans can finance up to 75% of the total project costs. Borrowers must demonstrate sufficient cash flow to repay the debt. Borrower is responsible for all closing costs and must pay a one-time processing fee of 1.
5% of the loan amount. The application process is a simple one and ARWA can provide assistance if needed. Apply online.
Open and download a copy of the Revolving Fund Loan Application (pdf) to your computer. Complete it and click the "Email to ARWA" button to submit. You may also print a file copy and save a copy to your computer.
Apply by Mail or Fax. Open the Revolving Fund Loan Application (pdf). Complete it on your computer or print and complete it by hand.
You may also print a file copy and save an electronic copy to your computer. The loan application requests the documentation listed below. You may attach these documents to your email application or fax or mail them to us with your application.
Income expense and capital budget demonstrating that the loan can be repaid. Most recent audit report if one exists, and if there is no audit or it is more than a year old, the last fiscal year-end financial statement. Names of officers, addresses, contact numbers, and terms of office.
Additional project information or documents may be required upon loan approval dependent on the type of project being funded. on completed applications. Contact the ARWA today for your financial needs.
Apply online today ! (pdf) Important: The Intermediary Relending Program is funded through the United States Department of Agriculture (USDA) and is intended to provide development assistance capital in rural areas of Alabama.
The United States Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, sex, religion, disability, political beliefs, sexual orientation, and marital or family status. Open Revolving Fund Loan Application . Complete and email, mail, or fax to ARWA.
on completed applications. Operator Certification Classes Click the link below to see available classes. CLICK IT!
:) in our new training section at training. alruralwater. com Utility Management Certification The ARWA/NRWA ServLine Program protects your utility against losses from customers’ water leaks, and provides the opportunity for them to add service line repair replacement protection.
Pay any ARWA invoice online. online bill pay to your customers!
According to the current listing, eligibility includes: Local governments in Florida's rural counties. Confirm the full requirements in the official notice before applying.
The current listing shows up to $560,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Rural Community Development Revolving Loan Program is funded by Florida Rural Water Association (FRWA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Florida. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
USDA's Rural Decentralized Water Systems Grant funds nonprofits to capitalize a revolving loan fund for household wells and septic systems: 1 percent fixed, 20-year terms, $15,000 maximum per household. The application window closes September 30, 2026. The program is chronically under-subscribed for one structural reason — the 10 percent priority-point contribution cannot be in-kind. Here is the full instrument analysis and what it takes to win.
Read articleOn June 29, 2026, EPA announced it will waive the $25,000 WIFIA application fee and the credit processing fee — averaging roughly $156,000 per loan — for communities of 25,000 or fewer residents in fiscal years 2026 and 2027. Combined, that removes nearly $200,000 in upfront cost from the single most affordable federal water-infrastructure financing program, which carries roughly $11 billion in available capacity and can cover up to 80% of eligible project costs at Treasury-rate pricing. For small towns, rural utilities, and the nonprofits and districts that serve them, this is a rare instance of the federal government lowering the barrier to a program that has historically been out of reach for exactly the communities that need it most. Here is what changed, who qualifies, and how to move on a letter of interest before the window closes.
Read articleWhile applicants chase fixed federal deadlines, USDA Rural Development keeps roughly $4.1 billion moving through programs with no deadline at all — Community Facilities, Water & Waste Disposal, and Business & Industry loans that accept applications year-round. But 2026 brought a quiet shake-up: REAP grants paused, RBDG's competitive window closed. Here is the map of what's open, what's frozen, and how rural organizations should work a rolling pipeline.
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