Getting Started with the WIFIA Program

The WIFIA program is an EPA-operated bank that provides low-cost, flexible loans for water infrastructure projects across the country.

WIFIA loans support a wide variety of drinking water, wastewater, and stormwater projects. Eligible borrowers include public entities, private entities, and public-private partnerships. WIFIA loans can support a broad range of project costs, including project planning and design, construction, land and equipment acquisition, and more. Prospective borrowers can apply for and receive a single WIFIA loan or bundle multiple WIFIA loans under a single application for nearly any stage of project completion, including design-only loans.

Learn about what is eligible for WIFIA financing.

Customized Water Infrastructure Financing to Meet Your Specific Needs

At the time of application submission, the WIFIA program assigns a dedicated team of EPA staff who work closely to customize each WIFIA loan to meet the prospective borrower’s specific needs. Benefits of financing with WIFIA include:


Low-Cost Capital	Long-Term, Patient Lending	Project Bundling	Efficient Application Process
All borrowers benefit from the fixed Treasury rate, regardless of their credit rating or loan structure	Customized repayment schedules and generous loan terms of up to 35 years after substantial completion	Infrastructure projects can have high upstart costs. WIFIA borrowers can bundle multiple projects under one loan or a master agreement	Loan closing in as little as 4 months and opportunities for technical assistance

Learn about the WIFIA program’s benefits and flexibilities.

Apply for WIFIA Funding

The WIFIA program has funding available year-round to meet borrower needs.

Get information on the application process and materials.

Get In Touch with Us

WIFIA Office Hours

The WIFIA team hosts monthly office hours for prospective borrowers to learn more about the application process, meet members of the team, and ask questions. Sign up for an Office Hours session.

Questions and One-on-One Meetings

If you are interested in scheduling a one-on-one meeting to discuss your project and any questions you may have about the WIFIA program, reach out to the WIFIA program (wifia@epa.gov).