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Start Online Training Today and Advance Your Career in the Water Industry
Water Education. Your Way.
Courses starting at $20
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General Course Catalog
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RURAL WATER FINANCING AGENCY
Enabling Borrowers to Collaborate on Financing Governmental Projects
Ready to Fund Your Project? Let’s Get Started.
Interim Loan Program
Fast, Flexible Construction Financing with USDA Takeout
The Interim Loan Program is designed to provide short-term construction financing for governmental projects. Borrowers benefit from a fixed rate for the term of construction, with all costs built into the loan rate and interest capitalized throughout the process.
Key Features
- Streamlined, efficient application and documentation
- Fixed construction loan rate (estimate: 4.90% for 2 years*)
- Average Net Cost of Funds: 1.97%*
- USDA Takeout at project completion
- All costs included in the loan rate
- Available to governmental borrowers in all 50 states
Flex Term Program
Long-Term, Fixed-Rate Financing — No DSRF Required
The Flex Term Program offers AA- rated, tax-exempt financing solutions with flexible terms ranging from 1 to 30 years. Designed for a wide variety of governmental project types, the program avoids the costly compliance burdens often associated with federal funding.
Key Features
- AA- rated tax-exempt structure
- No Borrower Debt Service Reserve Fund (DSRF) required
- Fixed rates available for 1–30 years
- Funding typically provided within 90–120 days
- Exempt from BABAA, AIS, and Davis-Bacon requirements
- 1.20x Debt Service Coverage required
- Estimated fixed rates: 4.22% for 15 years, 4.81% for 30 years*
2026 Annual Education and Exhibitor Show Sponsors
Free Technical Assistance
CRWA provides no-cost, hands-on support to help small and rural systems stay compliant, improve operations, and access funding. Services include:
- Leak detection using advanced acoustic tools to locate unaccounted-for water losses
- MHI (Median Household Income) studies to help challenge county figures and improve grant eligibility
- On-site operational assessments for treatment, distribution, and collection systems
- Rate study guidance and Prop 218 compliance for legal and sustainable rate setting
- GIS mapping support to document and visualize infrastructure
- Staff training and SOP development tailored to your facility’s needs
- Hosted training sessions available for groups of local systems
Services are provided at no cost and prioritized based on system need and compliance risk.
California Water Infrastructure
Online Learning
In Person Learning
Apprenticeship Program
Preferred Provider
- Access exclusive member discounts on key products and services.
- Partner with trusted providers for valuable resources.
- Maximize savings through strategic partnerships.
System Membership
- Significant reduction in training and class fees.
- Free membership directory and industry guide.
- Reduced fees for EXPO and exhibitor space.
- Subscription to the California Water Journal magazine.
- Free website listing and access to employment resources.
Associate Membership
- A FREE Membership Directory & Industry Resource Guide.
- A subscription to our quarterly magazine, the California Water Journal; and, reduced advertising opportunities in the publication.
- A substantial reduction in our annual EXPO Registration and Exhibitor fees.
- Links with us on our Web Site including FREE listing on the employment site.
Other Ways We Help
SUSP Utility Services
SUSP (Support Utility Services Program) provides a wide range of support services to utility companies, including project management, regulatory compliance, and operational support. Their focus is on enhancing the efficiency and sustainability of utility operations, ensuring that services are delivered effectively and compliantly.
Insurance Programs
Employment Opportunities
Definition of a Public Water System
By Michael Sims In case you don't know: From Health & Safety Code Section 116275(h) - (k), (o), (z), 355,356: (h) "Public water system" means a system for the provision of water for human consumption through pipes or other constructed conveyances that has 15 or...
City of Big Bear Lake Competes in Great American Water Taste Test
California was thrilled to welcome the City of Big Bear to the 2026 Rural Water Rally, where they proudly competed in the Great American Water Taste Test (GAWTT). After earning top honors at the CRWA Water Taste Test during our 2025 Expo in South Lake Tahoe, the City...
Rural Water Rally 2026
California Rural Water Association (CRWA) board members and staff visited Capitol Hill in Washington, D.C., this February to advocate for rural water programs. Their efforts focused on supporting USDA and EPA loan and grant funding, as well as advancing technical...