The EPA Water Infrastructure and Resiliency Finance Center provides information and resources to help communities make decisions about drinking water, wastewater, and stormwater infrastructure and financing. The Center hosts workshops and webinars on innovative financing strategies. It also works with partners to provide technical assistance for projects focused on affordability, resilience, and nutrient reduction. Financial assistance programs like the Clean Water State Revolving Fund can provide low-interest loans for infrastructure projects that improve water quality.

1. Financing Water Quality
Advancements
U.S. EPA Water Infrastructure and Resiliency Finance Center

2. WATER INFRASTRUCTURE AND RESILIENCY
FINANCE CENTER
EPA’s Water Finance Center provides information that
can be used to make drinking water, wastewater, and
stormwater infrastructure decisions.
Research Advise Innovate Network
https://www.epa.gov/waterfinancecent
er

3. Meeting the Needs of Stakeholders
The Water Finance Clearinghouse is an easily
navigable web-based portal that helps
communities locate information and resources
for all things water finance.
WATER
FINANCE
CLEARINGHOUSE
www.epa.gov/wfc

4. • EPA Regional Stormwater Workshops
• Stormwater Financing: Innovative Opportunities to Help You Address Your Stormwater
Challenges
• EPA is hosting a series of in-person workshops throughout the country in 2019 on
stormwater financing challenges and successes at the local level.
• Financing Resilient and Sustainable Water Infrastructure
• The Center hosts a series of regional water finance forums. These forums bring together
communities with drinking water, wastewater, and stormwater project financing needs
in an interactive peer-to-peer networking format.
Regional Finance Forums

5. • Innovative Financing Strategies for Reducing Nutrients
• Leading-Edge Stormwater Financing
• Drinking Water and Wastewater Customer Assistance Programs
• Disaster Recovery Financing for Water and Wastewater Utilities
• Resilience Mitigation Financing for Water and Wastewater Utilities
Past Water Finance Webinars

6. • The Water Infrastructure and Resiliency Finance Center works with on-the-
ground partners to provide financial technical assistance to communities. The
Center provides:
• Community Assistance for Resiliency and Excellence (WaterCARE)
• Affordability Programs
• Technical Assistance Partners
• Financial Tools
Financial Technical Assistance and Tools for Water
Financing and Funding

7. • The Environmental Finance Center Network (EFCN) is a university-
based organization creating innovative solutions to the difficult how-
to-pay issues of environmental protection and improvement.
• The EFCN works with the public and private sectors to promote
sustainable environmental solutions while bolstering efforts to
manage costs.
• Focus:
• Protecting natural resources and watersheds by strengthening the capacity of local
decision-makers to analyze environmental problems,
• develop innovative and effective methods of financing environmental efforts,
• educate communities about the role of finance and economic development in the
protection of the environment.
Environmental Finance Centers

9. Financing Nutrient Management in the
Jordan Lake Watershed
• State of the watershed – under existing framework
How is revenue currently generated for water quality?
How is revenue currently spent?
What is the revenue potential?
Options for modifying framework
What are other states doing?
What is the relative cost effectiveness of spending on nutrient
removal practices?
Financing Nutrient Management in the Jordan Lake
Watershed

10. CWSRF At-A-Glance
• Cumulative funding through 2018 was $133
billion.
• Annual funding has averaged over $7 billion over
the past 3 years.
• National average interest rate for a CWSRF loan
in 2018 was 1.5% compared to 3.7% market rate
• Over $4.5 billion in additional subsidization that
can be used to address affordability and fund
innovative projects.

11. CWSRF Nutrient Reduction At-A-Glance
Over $272M towards animal
agriculture best management
practices
Over $468M towards cropland
best management practices
Over $25B towards advanced
wastewater treatment

12. How It Works
funds state CWSRFs each year,
with 20% state match.
All 50 states and Puerto Rico have CWSRFs.
Apply for financing
through state CWSRFs.

13. Who is eligible?
(eligibility varies by state and project type)
Communities Private
Entities
Nonprofit
Organizations
Citizen
Groups

14. What Projects are
Eligible for CWSRF
Assistance?
 603(c)(1) Construction of publicly owned treatment works (POTW)
 603(c)(2) Implementation of a nonpoint source management
program
 603(c)(3) Implementation of a National Estuary Program CCMP
 603(c)(4) Decentralized systems
 603(c)(5) Stormwater management
 603(c)(6) Projects that reduce the demand for POTW capacity
through water conservation, efficiency, and reuse
 603(c)(7) Watershed pilot projects
 603(c)(8) Projects that reduce the energy consumption needs for
POTWs
 603(c)(9) Reuse of wastewater, stormwater, or subsurface
drainage water
 603(c)(10) Security measures at POTWs
 603(c)(11) Technical assistance to small and medium POTWs
 603(c)(12) Technical assistance to qualified individuals for
decentralized wastewater treatment systems
Clean Water Act

15. CWSRF Nutrient Reduction
• The CWSRF can finance a variety of projects that reduce
nutrient pollution in rivers, lakes, and streams.
• Eligible projects include:
• Upgrade, repair, replacement, or installation/ construction
of new nutrient removal processes at POTWs
• Stormwater conveyance and treatment systems
• Green infrastructure (e.g., bioswales, infiltration basins,
wetland restoration)
• Riparian buffers
• Livestock waste management systems
• And more…

16. Minnesota Agricultural Best Management Practices Loan Program
Leuthold Farm, Rock County, Minnesota
$220M in loans and 13,000 projects over the life of the program
Ag BMPs at Leuthold Farm- Minneso
• Program provides funds to 87 counties in Minnesota
• More than 250 lenders
• Assistance for NPS pollution control practices to farmers,
agriculture supply businesses, rural land owners, and water
cooperatives.
• Projects are modest in size (~$25K per project)

17. Ohio’s Water Resource Restoration Sponsor Program (WRRSP)
Medina Marsh Land Conservation Project
Northeast Ohio Regional Sewer District (NEOSD) receives 0.06% discount
on standard rate in exchange for sponsoring nonpoint source projects
• POTW volunteers to sponsor a land protection or restoration project
in exchange for a reduced interest
• NEORSD saved an additional $432,900 in reduced interest payments
• Sponsored acquisition of 87-acre Medina Marsh with partners
Western Reserve Land Conservancy and Medina County Park District
• Protects 1,450 linear feet of floodplain and forested buffer along
the Rocky River, 32 acres of high quality wetlands, and various
habitats
• Acquisition links a 2-mile long green corridor and covers more than
360 acres

18. Dairy Manure Storage in Chesapeake Bay Watershed
$100,000 loan with 100% principal forgiveness to Pennsylvania farmer for
manure management project
• Farm located at the headwaters of a creek that discharges into a
cold water fishery
• Manure leaves the site during rain events
• Project stores stackable manure under roof and contains manure on
a new curbed heavy use area
• Substantially reduce potential contaminated runoff
• Installation of gutter, downspouts, a drip-line drain and
underground outlets to keep clean stormwater from mixing with
the manure

19. Delaware Poultry Loan Program
SRF Funded: Managed by DNREC’s Environmental Finance, Division
of Watershed Stewardship, and the state’s Conservation Districts
• Low interest financing for managing poultry manure, and other
sources of poultry related pollution in an environmentally sound and
cost effective manner.
• Financing is available at an interest rate of 3 percent, for 1 to 7
years, with a minimum loan of $1,000 and a maximum loan of
$60,000.
• Eligible Practices: Construction of poultry manure storage structures;
Purchase of nutrient reduction equipment; Purchase of precision
farming equipment as part of a precision farming system.

20. City of Cocoa Beach, Florida Minuteman Causeway Project
Stormwater/Streetscape Improvements
• Green infrastructure/urban stormwater project to reduce
nutrients discharged into the Banana River Lagoon
• Project treats an 8.34-acre watershed
• Native landscape bioswales/tree filters, underground
exfiltration, and pervious pavers.
$1.8M CWSRF Loan at 0.315% Interest to match a 319 Nonpoint Source Grant

21. Boxelder Sanitation District, Colorado
Biological Nutrient Removal
• Replace aerated lagoon system with an orbital nitrification
plant to remove ammonia year-round
• Plant discharges into a 303(d) listed creek for selenium and
E. coli
• Monitoring data 2011-2015
• 95-99% reduction in nutrient levels
• 88% reduction in biological oxygen demand
• 48% reduction in selenium
• 67% reduction in E. coli.
• Decreased number of wastewater effluent violations
$10.4M CWSRF Loan with 2.5% Finance Charge

22. The Water Infrastructure Finance and
Innovation Act (WIFIA) program
accelerates investment in our nation’s
water and wastewater infrastructure by
providing long-term, low-cost,
supplemental credit assistance under
customized terms to creditworthy water
and wastewater projects of national and
regional significance.

23. CONTACT US
Website:
www.epa.gov/waterfinancecenter
Email: tarquinio.ellen@epa.gov
Waterfinancecenter@epa.gov