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Water Pollution Control Revolving Fund (WPCRF)

$1,621,310,273.00 in SRF Loan/Grant combo funding for Colorado Communities since 1981

Aerial view of a water treatment facility with circular tanks and rectangular basins.

Due to increased demand as well as reductions in the WPCRF Capitalization Grant due to Congressionally Directed Spending (CDS) funding WPCRF loans are extremely competitive and may be subject to prioritization.

In 2024, the Water Pollution Control Revolving Fund (“WPCRF”) received  $6,530,000 in Base capitalization grant funds and $18,191,000 in BIL capitalization grant funds from the Environmental Protection Agency. 

In order to receive a loan through the WPCRF, you must first make sure that your project is on the 2024-2025 WPCRF Eligibility List.  If your project isn’t on the list, your community can apply to get on the list by filling out the Eligibility Survey below (if it is currently active/open).  

For 2025, the Authority Board of Directors is offering loans of less than $3,000,000  as direct loans, at an interest rate of 3.25% for 20 years and 3.50% for up to 30 years, or less if your community qualifies as disadvantaged.  Loans may also receive a reduced interest rate if the project qualifies   as “Green” and if the “Green” requirement has not been met by the Authority. Loans over $3,000,000 are leveraged loans, which will require the issuance of municipal bonds and will have subsidized interest rates at 85% of the market rates. There is currently a $18 million dollar cap on funding through the WPCRF program.

WPCRF Program Flyer2.pdf

WPCRF Interest Rates:

Base SRF, < $3 Million 

State Revolving Fund (SRF) Loans Under $3 million - Direct Loans

Direct Loan
Non-Disadvantaged Community

Disadvantaged Community Program click here for more information

  • 3.25%: 20-year loan term
  • 3.50%: 30-year loan term

Qualified as Disadvantaged Community Category 1

Disadvantaged Community Program click here for more information

  • 2.50%: 20-year loan term
  • 2.75%: 30-year loan term

Qualified as Disadvantaged Community Category 2

Disadvantaged Community Program click here for more information

  • 1.50%: 20-year loan term
  • 1.75%: 30-year loan term

*All interest rates are approved by the Authority's Board of Directors and are subject to change anytime throughout the year at the Authority Board's discretion.

Base SRF, > $3 Million 

State Revolving Fund (SRF) Loans Over $3 million - Leveraged Loans

Leveraged Loan Program

  • up to 85% of the Authority's AAA-rated Municipal Bonds

​SRF Large Direct Loans on a case-by-case basis

  • 3.25%:  20-year loan term
  • 3.50%: 30-year loan term​

*All interest rates are approved by the Authority's Board of Directors and are subject to change anytime throughout the year at the Authority Board's discretion.

BIL Loan, < $3 Million 

Bipartisan Infrastructure Eligible Loans (BIL) Under $3 million

Direct Loan Non-Disadvantaged Community

Disadvantaged Community Program click here for more information

  • 3.25%: 20-year loan term
  • 3.50%: 30-year loan term

Lead Line Replacement (LSL) BIL Loan

Bipartisan Infrastructure Law click here for more information

  • 3.25%: 20-year loan term
  • 3.50%: 30-year loan term

Qualified as Disadvantaged Community Category 1

Disadvantaged Community Program click here for more information

  • 2.50%: 20-year loan term
  • 2.75%: 30-year loan term

Qualified as Disadvantaged Community Category 2

Disadvantaged Community Program click here for more information

  • 1.50%: 20-year loan term
  • 1.75%: 30-year loan term

*All interest rates are approved by the Authority's Board of Directors and are subject to change anytime throughout the year at the Authority Board's discretion.

BIL Loan, > $3 Million 

Bipartisan Infrastructure Eligible Loans (BIL) Over $3 million

Direct Loan Non-Disadvantaged Community

Disadvantaged Community Program click here for more information

  • 3.25%: 20-year loan term
  • 3.50%: 30-year loan term

Lead Line Replacement (LSL) BIL Loan

Bipartisan Infrastructure Law click here for more information

  • 3.25%: 20-year loan term
  • 3.50%: 30-year loan term

Qualified as Disadvantaged Communities 1 & 2

Disadvantaged Community Program click here for more information

  • 3.25%: 20-year loan term
  • 3.50%: 30-year loan term

*All interest rates are approved by the Authority's Board of Directors and are subject to change anytime throughout the year at the Authority Board's discretion.

SRF GPR Loan 

Reduced interest rates are only for the first $3 million of your WPCRF GPR loan. If loan request is more than $3 million the prevailing Interest rate applies to loan request above $3 million.

WPCRF Loans Only Green Project Reserve (GPR) Loans - more info

**GPR Qualified loan first $3 million dollars of loan request

Green Project Loan Program click here for more information

  • 15% of Project cost is determined to be Green 
  • 2.75%: up to 30-year loan term

**GPR Qualified loan first $3 million dollars of loan request

Green Project Loan Program click here for more information

  • 20% of Project cost is determined to be Green 
  • 1.75%: up to 30-year loan term

*All interest rates are approved by the Authority's Board of Directors and are subject to change anytime throughout the year at the Authority Board's discretion.

** The percentage of Project cost that qualifies an entity is determined by the State Revolving Fund (SRF) Project Manager and WQCD Engineering unit.

*** If determined Green only the first $3 million of your loan request can have a reduced interest rate. For more information click here.

Program Documents: