Water and waste disposal banking
Support for water systems that keep communities growing
Providing safe water and wastewater service is essential to rural life. Our financing helps systems meet daily demands while preparing for future challenges.
Reliable financing for essential rural systems
Water and waste disposal borrowers need reliable financing to support a wide range of projects. Our industry experience and sector‑specific resources help support funding decisions and navigate through changing conditions.
- Create, improve and expand the supply of safe drinking water and waste disposal
- Start a new construction project or expand an existing one
- Upgrade equipment or perform needed maintenance
- Purchase vehicles
- Drill wells or replace pipelines
- Repaint water towers
- Create a reserve for emergency purposes
Supporting critical water services
We understand water and wastewater systems and the communities they serve. Our approach emphasizes steady capital, industry experience and long‑term relationships.
Rural infrastructure financing
Capital when it counts
Flexible financing supports building and improving treatment facilities, collection and distribution systems. Financing structures are customized to reflect asset life and your cash flow dynamics.
Deep industry experience
Aligned for rural impact
We help you align with board approval processes and community decision‑making, offering a streamlined process that focuses less on paperwork and more on quick and reliable financing.
Long-term planning
Thinking beyond the next project
Many rural systems face aging infrastructure and increasing regulatory demands. Planning now for future repairs, upgrades and replacement ensures you have the capital when you need it.
Customer-first impact
Focus on rural communities
You need solutions that reflect the operational, financial and staffing realities of rural water and wastewater systems. We bring our expertise and understanding of small towns and multi‑community systems across rural America.
We use CoBank’s interim financing tool on every project now, because it’s so easy. The bank understands rural development, and rural development understands CoBank.
Capital that keeps water flowing
Traditional financing
Flexible facilities for operating needs, capital expenditures and long-term infrastructure investment–sized for systems of every size.
Lines of credit
Ideal for funding unexpected projects, emergencies or short-term needs.
Term project financing
Borrow funds on a longer-term basis to assist with major system improvements.
Refinancing
Save money and reduce your payments by refinancing your current debt.
USDA interim financing
Partner with an experienced lender for easy access to low-cost construction financing for your USDA RD project.
Municipal notes and bonds
Tax exempt and taxable financing options are available.
Put your cash to work
Cash management support that helps you stay organized, responsive and ready for planned and unplanned needs. Manage incoming and outgoing payments and maximize use of idle funds.
Keep equipment current without tying up cash
Flexible leasing options for vehicles, equipment and qualified facilities. Leasing helps you spread costs over time, align payments with asset life, and avoid paying for equipment after it’s retired.
Flexible financing for your assets
NRWA and CoBank teamed up to offer a water meter and equipment leasing program. Leasing allows you to match payments to the life of the asset and better manage your system’s cash flow.
