Arkansas Rural Water Association
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Financial Services

Finance Programs

The Arkansas Rural Water Association has partnered with Rural Water Finance Agency to help our member utilities with their short-term and long-term financial needs. All costs are included in loan payments.

  • Interim Finance Program
    Loans for construction projects with USDA-RD long term financing takeouts.
  • Flexible Term Finance Program
    Loans for any eligible utility project with flexible terms (1 to 35 years), low interest rates, and a AA-rating (AAA with insurance).

Rural Water Finance Agency (RWFA) has offered low-cost financing to its members since 1995. With this partnership, ARWA can provide interim construction loans in conjunction with USDA Rural Development projects through our Interim Finance Program. Other short- and long-term financing options for almost any capital project that a utility member my need can be met through the Flexible Term Finance Program.

Our program partners are:

  • Raymond James (Financial Advisor)
  • Rubin & Hays, Attorneys (Bond Counsel)
  • Regions Bank (Trustee)

Arkansas Rural Water Association has long been known for providing high quality technical assistance and training to its water and wastewater utility membership. But did you know that ARWA also offers outstanding levels of assistance to its members financial and management needs?

Give us a call today to discuss any specifics you may have regarding the topics below.

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Next Training/Events

Dec
5
Fri
all-day ADH Exams | December 5, 2025 @ ARWA Training Center
ADH Exams | December 5, 2025 @ ARWA Training Center
Dec 5 all-day
Visit the ADH Website for information If you are TESTING, please pre-register and prepay the testing fee with ADH @ 501-661-2623 or ADEQ @ 501-682-0998 45 Days before attending classes.
Dec
8
Mon
all-day Class III Wastewater | December ... @ ARWA Training Center
Class III Wastewater | December ... @ ARWA Training Center
Dec 8 – Dec 12 all-day
Download Training Agenda
Dec
12
Fri
8:00 am Retail Water Provider Board Trai... @ ARWA Training Center
Retail Water Provider Board Trai... @ ARWA Training Center
Dec 12 @ 8:00 am – 5:00 pm
Arkansas Rural Water Association Act 605 of 2021 & Act 545 of 2023 Retail Water Provider Board Training (8 Hours)
Dec
25
Thu
all-day Christmas Day – Office Closed
Christmas Day – Office Closed
Dec 25 all-day
 
Dec
26
Fri
all-day Christmas (Observed) – Office Cl...
Christmas (Observed) – Office Cl...
Dec 26 all-day
 
View Calendar

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  • 2026 ARWA Training Calendar (PDF)
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  • Write to your Congressman
  • Get a Website + Alerting System
  • Jobs
  • Items For Sale
  • Arkansas Municipal League

ARWA Headquarters

240 Dee Dee Lane
Lonoke, AR 72086-8156
Tel: (501) 676-2255
Fax: (501) 676-2266

Mailing Address
P.O. Box 860
Lonoke, AR 72086

Email: info@arwa.net

NRWA
ARWA is a proud member of National Rural Water Association – America’s Largest Utility Membership
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