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Clean Water State Revolving Fund Loan Program


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Clean Water State Revolving Fund (CWSRF) loans are available for the Planning, Design, and Construction Phases of waste water facilities. The funds may be used for all three phases in any combination. Eligible projects include new construction or the upgrading/expansion of existing facilities and may encompass wastewater treatment plants, pump stations,force mains, collector sewers, interceptors, elimination of combined sewer overflows, and/or nonpoint source pollution remedies.

CWSRF loan applicants must pledge security for loan repayment, agree to adjust user rates as needed to cover debt service and fund depreciation, and maintain financial records that follow governmental accounting standards. CWSRF loan interest rates range from zero percent to market rate depending on the community's per-capita income, taxable sales, and taxable property values. Most CWSRF loan recipients qualify for interest rates between 2 and 4 percent. Interest rates are fixed for the life/term of the loan. The maximum loan term is 20 years or the design life of the proposed wastewater facility whichever is shorter.

The State Revolving Fund Loan Program (SRF Loan Program) maintains a Priority Ranking List for funding the planning, design, and construction of wastewater facilities. The Priority Ranking List forms the basis for funding eligibility and the subsequent allocation of CWSRF loans. CWSRF loans are awarded to those projects that have met the CWSRF technical, financial, and administrative requirements, possess the highest priority rank on the Priority Ranking List, and are ready to proceed.

Because CWSRF loans include federal funds, each project requires a fiscal review, the development of a Facilities Plan, an environmental review,opportunities for minority and women-owned business participation, a State-approved Sewer Use Ordinance, a State-approved Plan of Operation, and Interim and Final Construction Inspections to be conducted by the SRF Loan Program's technical staff.