The National Rural Water Association

The National Rural Water Association is a non-profit organization dedicated to training, supporting, and promoting the water and wastewater professionals that serve small communities across the United States.  The mission of NRWA is to strengthen State Associations.

NRWA provides training and technical assistance through 49 affiliated State Rural Water Associations, that currently have over 31,000 utility system members.  Last year, State Rural Water Association staff delivered over 75,000 on-site technical assistance visits and 150,000 hours of training to more than 37,000 utilities.  Rural Water training and technical assistance covers every aspect of operating, managing and financing water and wastewater utilities.

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Rural Water Loan Fund

The Rural Water Loan Fund (RWLF) is a funding program specifically designed to meet the unique needs of small water and wastewater utilities. The RWLF provides low-cost loans for short-term repair costs, small capital projects, or pre-development costs associated with larger projects. The RWLF was established through a grant from the USDA/RUS, and repaid funds used to replenish the fund and make new loans.

Eligible Projects

  • Pre-development (planning) costs for infrastructure projects
  • Replacement equipment, system upgrades, maintenance and small capital projects
  • Energy efficiency projects to lower costs and improve system sustainability
  • Disaster recovery or other emergency loans are available

Key Points

  • Reasonable, below market interest rate (currently 3%) and a maximum repayment period of 10 years
  • Straightforward application process and quick turnaround time (just a few days if documents are in order)
  • Loan amounts may not exceed $100,000 or 75% of the total project cost, whichever is less
  • Emergency loans are 90-day no interest, with immediate turn around on applications
  • NRWA charges no administrative or processing fees
  • Systems must be public entities (municipalities, counties, special purpose districts, Native American Tribes, nonprofit corporations and cooperatives) serving up to 10,000 persons, or in rural areas with no population limits

How Can I Apply?

Information can be emailed, if available electronically, to the email address below.  Applications and supporting documents can also be sent by mail.  Applicants may also contact any State Rural Water Association for assistance in preparing and submitting the required documents.

Application Form

NRWA Loan Brochure

Mailing Address:

Rural Water Loan Fund
2915 S. 13th Street
Duncan, OK 73533

Email Address:

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NRWA Affinity Programs

The National Rural Water Association recently announced a new series of affinity programs to support small water and wastewater utilities across the country. We are honored to announce that Rural Water Impact has been selected as a new NRWA Affinity Partner! Click here for more information. 

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