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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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ACR Distribution Systems
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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*
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
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

Rural Water Rally 2025 in Review
California Rural Water Association (CRWA) Board and staff attended the Rural Water Rally hosted by National Rural Water Association (NRWA) February 3-6, 2025, in Washington D.C. Each state Rural Water Association visits their respective congressional offices to...
Are Rising Insurance Premiums Straining Your Budget?
MemberGuard Could Help! If you've noticed your insurance premiums skyrocketing this year, you're not alone. With market volatility and increased costs impacting nearly every sector, it's more important than ever to find a reliable, cost-effective alternative...
Wildfire Response & Recovery Resources for Water Utilities
California Rural Water extends its deepest sympathies to the water systems and members affected by the recent devastating firestorms in Los Angeles County. We understand the immense challenges these disasters present, and California Rural Water remains committed to...









