How We Work

Our Five Step Process

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Step 1

Generally, we partner with communities and a state agency to identify viable infrastructure projects

The state agency determines project eligibility, while the Bank determines financing structure


Step 2

The Bank and its partner agency work collaboratively with borrowers to prepare project applications


Step 3

Project applications are submitted to the partner agency, which ranks all applications using a scoring criteria to produce a Project Priority List (PPL)


Step 4

The Bank will strategize with prospective borrowers to determine the most efficient way to finance the project

Generally, projects are financed in the order in which they appear on the PPL


Step 5

The Bank makes periodic disbursements as the project proceeds in conjunction with site reviews conducted by our partner agency

Loans are repaid over time and the recycled funds are used to make additional loans