United States
Environmental Protection
Agency
Solid Waste and
Emergency Response
5401G
EPA510-B-99-002
March 1999
Financing Underground
Storage Tank Work:
Federal and State Assistance Programs
/\ Printed on Recycled Paper
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CONTENTS
Introduction i
How to Use This Document 2
Types of Assistance 3
Direct Loans 3
Loan Guarantees 3
Grants 3
Interest Subsidies 3
Federal Financial Assistance Programs 5
Bureau of Indian Affairs 5
Indian Loan Guarantee Program „ 5
Administration for Native Americans 7
Environmental Regulatory Enhancement Projects 7
Small Business Administration 8
Small Business 7(a) Loan Guarantees 8
Microloan Program 9
Certified Development Company (504) Loans 10
Department of Agriculture Rural Business-Cooperative Service 12
Rural Business Enterprise Grants 12
Business and Industry Guaranteed Loans 13
Department of Commerce Economic Development Administration 14
Public Works and Development Facilities Program 14
State Financial Assistance Programs 17
State Financial Assistance Program Offices 17
U.S. EPA Regional UST Program Offices 22
Compliance Assistance Direct 23
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Introduction
INTRODUCTION
On December 22,1988, the U.S. Environmental Protection Agency (EPA) implemented
technical standards for the design, construction, and operation of underground storage tanks
(USTs) that hold petroleum or hazardous substances. These standards require owners and
operators of USTs installed before December 22, 1988, to do one of the following by December
22,1998:
a Upgrade substandard tanks by adding corrosion protection and spill and overfill
prevention;
a Replace substandard tanks with new tanks that meet all federal and state requirements; or
a Properly close the tanks.
In addition, EPA requires owners and operators to monitor for releases and clean up
contamination resulting from releases of petroleum or hazardous substances at their UST sites.
Upgrading an existing tank, purchasing a new tank, or conducting a cleanup can be a major
financial burden, especially for small and disadvantaged businesses.
Many businesses have experienced difficulty obtaining
loans and grants to finance these expenditures. Indian owners
and operators whose businesses are located on federal
reservations may be at a particular economic disadvantage,
because they may be unable to access state funds available
exclusively to state residents.
EPA's Office of Underground Storage Tanks has prepared
this booklet to help you and other UST owners and operators
locate potential sources of financial assistance to cover the costs
of upgrading, replacing, or closing an UST, or of cleaning up an
UST release. This booklet describes federal financial assistance
programs which, while not designed specifically for UST work,
do provide funding that owners and operators may be able to
use for these activities. It also provides addresses and telephone
numbers for potential sources of financial assistance in states.
In addition, this booklet provides information on federal
programs that are available only to Indian tribes and individuals
on reservations. These programs may assist Indian UST owners
and operators in obtaining financial assistance that might not be
available from other sources. One of these programs is
administered by the Bureau of Indian Affairs, and one is
administered by the Administration for Native Americans.
Information in this booklet is current as of the date of
publication. However, funding for these programs is subject to
change. You are urged to contact these programs directly to
determine whether funding is still available.
Costs oftUpgrading, Replacing,
0 * or Closing
Upgrale ? ' /w
BP$ estimates that you will spend
around $13,000 to upgrade a three-tank
system wrn-cathodioprotectiaiVa form
of corrosion protection, and'spjlt and
overfill protection; this is a low,, rough "
(estimate^ 7 * ' "
Replace , , /
If you plan to replace an existing three- (
tank facility with three new USTs and "
piping, it will cost between $80,000 and
$100,000, including the cost of closing
the existing tanks, assuming no cleanup
is needed.
Close
Temporarily closing an UST involves no
more expense than the required ' s ,,
monitoring; this includes monitoring '
your corrosion protection equipment, if
you have it, and leak detection if f
anything is stored in the UST. If the tank
is closed for more than three months, you
must also cap all lines but the vent lines.
Closing permanently, however, requires ,
emptying and cleaning the tank and
either removing the UST or leaving it in
place filled with an inert solid material,
all of which would cost roughly $5,000
to $ 1 1 ,000, notjincluding site
assessments or cleanup.
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Introduction
How TO USE THIS DOCUMENT
In order to assist you in your research, follow the steps listed below and review the explanation
of the information available in this document.
a First, review the Locator Table at the bottom of this page to identify which financial
assistance programs might be available to you.
a Second, familiarize yourself with the types of financial assistance that these programs
provide.
Q Next, read the descriptions of the applicable federal financial assistance programs.
Determine from the list provided if your state has its own financial assistance program.
Q Finally, contact the applicable federal and state contacts to start the application process.
You should review the Eligibility Criteria and Restrictions of the federal financial assistance
programs. In many cases, these programs are only authorized to disburse funds to applicants
who meet specific criteria. Contact the organization by using the Contact Information
provided.
f c You can use the Internet addresses provided to gather information on the program in
which you're interested. In some cases, the Internet address will provide online access
to application forms and program-specific information. In other cases, the Internet
address provides background information on the agency offering the assistance.
Addresses and phone numbers for each of the financial assistance programs are
provided so you can contact them by whatever means you prefer.
Locator Table
Assistance Program
Indian Loan Guarantee
Program, p. 5
Environmental Regulatory
Enhancement Projects, p. 7
Small Business 7(a) Loan
Guarantees, p. 8
Microloan Program, p. 9
Certified Development
Company (504) Loans, p. 10
Rural Business Enterprise
Grants, p. 12
Business and Industry
Guaranteed Loans, p. 13
Public Works and
Development Facilities
Program, p. 14
State Programs, p. 16
Native American or
on Tribal Lands
s
s
s
s
s
s
s
s
s
Private TJST Owner
or Operator
X
X
s
s
s
s
s
X
s
Municipality, State or Local
Government, or Non-Prdfit
X
X
X
X
X
s
s
s
s
•/ indicates that the program may be available to you.
X means that you might not be eligible, but should contact the program to confirm.
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iS of Asststatzce
TYPES OF ASSISTANCE
As an UST owner and operator, you may be able to obtain
financial assistance from three types of federal or state
programs: direct loans, loan guarantees, and grants. Some states
also offer interest subsidies. Each of these types of programs is
described below.
DIRECT LOANS
Some state governments and federal agencies may issue loans directly to eligible owners and
operators. These funds come from a loan fund. A program will generally assess your credit risk
before providing you with one of these loans. Alternatively, some programs contract with
private lenders or other institutions to conduct credit analyses and administer the loan programs.
A state or federal agency may lend you money at the market interest rate, which is the same
interest rate at which governments borrow money (usually below the prevailing rates for private
borrowers), at a lower interest rate, or without interest. State and federal programs often allow
you a longer period to repay the loan than do private lenders.
LOAN GUARANTEES
Loan guarantees allow you to obtain loans from private lenders, such as banks or insurance
agencies, if you have backing or some kind of "guarantee" from another organization. If you
receive a loan guarantee, the guarantor, usually a federal agency or state, will commit to repay
your loan if you are unable to do so. This arrangement increases your chances of obtaining a
loan from a private lender because the guarantee assures the lender of repayment.
GRANTS ; '
Under a grant, a state or federal agency provides you with money that you are not required to
pay back. Agencies usually award grants for very specific, low-cost activities, such as tank
tightness tests, release detection, cathodic protection, and spill and overfill protection. Because
they will not recoup grant money, however, federal agencies offer more loans or loan guarantees
than grants.
Some states will offer you partial funding in the form of matching grants. Under a matching
grant agreement, you pay a portion of the costs, and the state pays the remainder.
INTEREST SUBSIDIES
Under an interest subsidy, your state government reduces your total cost of a commercial or
private loan by waiving or reducing your interest payments on that loan. The state may structure
interest subsidies in several ways:
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Typos of Assistance
Q The state pays a fixed number of points of the interest rate being charged to the owner
or operator. For example, the state pays two percent interest on the loan, and you pay
the remainder, regardless of the terms of the loan.
Q The state pays any interest payments in excess of a specified interest rate. For
example, you pay five percent and the state pays the remainder.
Q The state pays a fixed portion of the total interest payments. For example, the state
pays 25 percent of all interest payments, and you pay the remainder.
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Faaaral Fit
T.)Assistance Programs
FEDERAL FINANCIAL ASSISTANCE PROGRAMS
The following section provides information on financial assistance programs offered by five
federal agencies — Bureau of Indian Affairs, Administration for Native Americans, Small
Business Administration, Department of Agriculture Rural Business-Cooperative Service, and
Department of Commerce Economic Development Administration — that owners and operators
may use for UST upgrades, replacements, or cleanups. Assistance offered by the Bureau of
Indian Affairs and the Administration for Native Americans is generally available only to Native
Americans and Indian tribes.
For each agency, a description of the eligibility criteria and restrictions for each program it
offers is provided. A list of regional agency contacts follows each description. You should
contact the appropriate regional representative to determine whether your UST needs would be
eligible for funding under that agency's programs. It is important to note that funding through
these programs is not guaranteed. Financing for many of the federal assistance programs may be
in flux, so you are advised to contact each agency for the most current information. Many of
these programs also provide useful information at the Internet address provided after the
description of the program.
BUREAU OF INDIAN AFFAIRS
Indian Loan Guarantee Program
The Bureau of Indian Affairs (BIA) within the Department of the Interior
administers the Indian Loan Guarantee Program. The BIA guarantees may be
used for business, industry, agriculture, rehabilitation, housing, and education, or
for activities that benefit the economy of a reservation.
Eligibility Criteria
Q You must be a federally-recognized Indian tribe or Alaska Native group; a member of
a tribe or group; or an Indian-owned corporation, partnership, or cooperative
association.
Q The loans must be used to finance projects undertaken by for-profit businesses and
enterprises that will contribute to the economy of a reservation.
Q You must demonstrate that you were unable to obtain funding under reasonable terms
and conditions from other sources. You must also attempt to use the Indian Loan
Guarantee Fund Program before applying for direct loans.
Restrictions
Q For loan guarantees, BIA will guarantee up to 80 percent of the loan amount. The
maximum guarantee is $500,000 for individuals, but there is no maximum guarantee
for tribes and tribal organizations.
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I"ociGral financial Assistance Programs
Q You must provide a minimum of 20 percent of project funding as owner equity, either
in the form of cash or unencumbered assets.
Q You must demonstrate reasonable prospects of repayment and must provide full
collateral for the loan.
a Merest rates are determined by the Secretary of Treasury on a monthly basis. The
interest rate at the time of approval will remain the same for the term of the loan.
Contact Information
'~ This Internet address provides information on BIA, but no specific loan information;
http://www.doi.gov/bureau-indian-affairs.html.
For information on the Indian Loan Guarantee Program, contact your nearest BIA
Regional Office.
BIA Headquarters:
Ray C. Brown, Supervisor
Office of Economic Development
Bureau of Indian Affairs
1849 C Street, NW
Washington, DC 20240
(202) 208-5324
BIA Regional Offices:
Aberdeen Area - NE, ND, SD
Bureau of Indian Affairs
115 4th Avenue, SE
Aberdeen, SD 57401
(605) 226-7381
Albuquerque Area - CO, NM
Bureau of Indian Affairs
615 First Street, NW
P.O. Box 26567
Albuquerque, NM 87125
(505)766-3155
Anadarko Area - KS, Western OK
Bureau of Indian Affairs
WCD Office Complex
P.O. Box 368
Andarko, OK 73005
(405) 247-6673
Billings Area - MT
Bureau of Indian Affairs
316 North 26th Street
Billings, MT 59091
(406) 247-7963
Juneau Area - AK
Bureau of Indian Affairs
P.O. Box 255200
Juneau, AK 99802-5520
(907) 586-7403
Minneapolis Area - MN, IO, MI, WI
Bureau of Indian Affairs
331 South Second Avenue
Minneapolis, MN 55401
(612)373-1181
Muskogee Area - Eastern OK
Bureau of Indian Affairs
Old Federal Building
Muskogee, OK 74401
(918) 687-2267
Navajo Area - AZ, UT, NM
(Navajo Reservations only)
Bureau of Indian Affairs
P.O. Box 1060
Gallup, NM 87305
(505)863-8336
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Foaaral Financial Assistance Programs
Phoenix Area - AZ, NV, UT, CA, ID
Bureau of Indian Affairs
One North First Street
P.O. Box 10
Phoenix, AZ 85001
(602) 379-6624
Portland Area - OR, WA, ID
Bureau of Indian Affairs
911NE 11th Avenue
Portland, OR 97232
(503)231-6754
Sacramento Area — CA
Bureau of Indian Affairs
2800 Cottage Way
Sacramento, CA 95825
(916) 979-2600 (ext. 228)
Eastern Area - NY, ME, LA, FL, NC, MS
Bureau of Indian Affairs
3701 North Fairfax Drive
Mail Stop 260-VASQ
Arlington, VA 22203
(703) 235-2571
ADMINISTRATION FOR NATIVE AMERICANS
; DEPARTMENT OF HEALTH & HUMAN! «?ICES '
Environmental
Regulatory
Enhancement Projects
In 1994, the Administration for Native Americans (ANA) within the Department of Health
and Human Services made funds available for projects that support long-term efforts to increase
awareness of, and compliance with, environmental regulations. Examples of activities for which
your tribe or organization may use the grant money include: development or improvement of
training and education about environmental laws and compliance; programs that conduct
environmental regulatory compliance and enforcement functions; environmental assessments;
environmental regulatory enhancements and associated regulatory activities; and the
development of environmental laboratories. You may not use these grants for construction
projects, but your tribe may be able to use them for oversight and administrative costs associated
with upgrading, replacing, or closing USTs.
Eligibility Criteria
Q To receive ANA grants you must be a federally-recognized Indian tribe; an
incorporated non-federally and state-recognized Indian tribe; an Alaska Native
village; an Alaska Native association or non-profit organization; other tribal or village
organizations or consortia of Indian tribes; tribal governing bodies as recognized by
BIA.
Restrictions
Q You must contribute 20 percent of total project costs (although you may request a
waiver for this share); contributions may be cash or in-kind.
a You may only receive one grant under this program.
a Your project must not last longer than 36 months.
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I'eaeral Financial Assistance Programs
Q Any non-profit organization submitting an application must submit proof of its non-
profit status in the application at the time of submission.
Contact Information
If This Internet address provides information on ANA, but no specific loan information;
http://www.acf.dhhs.gov/programs/ana.
For more information on financial assistance offered by ANA, contact:
ANA Central Office
Mail Stop 348F
370 L'Enfant Promenade
Washington, DC
(202) 690-7776
SMALL BUSINESS ADMINISTRATION
The Small Business Administration (SBA) administers a number of
financial assistance programs for for-profit small businesses, which have
reasonable owner equity to invest. It is important to remember that meeting
i regulatory requirements may not increase your sales or decrease your
expenses. Therefore, you will have to demonstrate that you are credit-worthy
and eligible in order to receive SBA financial assistance. The Small Business
Act defines small business as one that is independently owned and operated, and
not dominant in its field. Table 1 outlines the number of employee and sales limits for eligibility
for SBA loans:
Table 1
Industry
Gas Station
Retail/Service
Construction
Agriculture
Wholesale
Manufacturing
Maximum AveragelMinualiReceiipite .oWNumber . oflEniploy^i^B
Up to $6.5 million, over the past three years
$3.5 to $13.5 million
$7.0 to $17.0 million
$0.5 to $3.5 million
No more than 100 employees
500 to 1,500 employees
Small Business 7(a) Loan Guarantees
The SBA administers a variety of loan guarantee programs available for a wide range of
activities, under the 7(a) Loan Guarantee Program, named after §7(a) of the Small Business Act.
These SBA loan guarantee programs help small businesses secure loans that they may not be
able to receive otherwise, including loans for tank replacements, upgrades, and cleanups. The
Pollution Control Loan Program is part of the 7(a) Program, which is designed specifically for
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Federal Financial Assistance •!rograms
the planning, design, or installation of facilities that prevent, reduce, abate or control any form of
pollution. You may use the loans to construct, expand, or modify business facilities or pollution
control equipment, or to purchase new equipment and materials.
Eligibility Criteria
Q You must be a for-profit small business. Individually owned and operated franchises
are also eligible for SB A assistance, provided that all profits and losses are
commensurate with private ownership (that is, profits are not distributed to the parent
corporation).
Restrictions
a The amount of your loan is not restricted, but the SB A will only guarantee up to
$1,000,000.
a If you wish to use the loan to purchase, upgrade, or modify pollution equipment, your
bank or lending institution must be willing to finance the loan with the SBA's
guarantee.
Q You must provide full collateral to secure the loan.
a You must demonstrate that financing on reasonable terms is not otherwise available.
Contact Information
}it http://www.sba.gov/opc/pio.html
http ://www. sba. go v/financmg/fr7aloan.html
http://www.sba.gov/financing/frpollute.html
See page 11 for addresses and phone numbers of SBA regional offices.
Microloan Program
The SBA also administers the Microloan Program, which makes loans to nonprofit
intermediaries, who in turn make small loans to eligible borrowers.
Eligibility Criteria
a You must meet the SBA size standards and type of business eligibility criteria.
a You must be located in the geographic territory of the intermediary and be qualified
according to the policies and procedures of the intermediary.
Q You must agree to use the proceeds of the Microloan exclusively for working capital,
and/or inventory, supplies, furniture, fixtures, machinery, and equipment.
Q You must agree not to use the proceeds of the Microloan for any down payment or for
the purchase of real estate.
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1'ea.QraI financial Assistance Programs
Restrictions
Q Maximum loan amount for a Microloan is $25,000.
Q You must pay back the Microloan in 6 years.
Contact Information
http://www.sba.gov/opc/pio.html
**"" http://www.sba.gov/financing/frmicro.html
See page 11 for addresses and phone numbers of SB A regional offices.
Certified Development Company (504) Loans
Under the Certified Development Company (CDC) Loan Program, the SBA and an area
CDC — a nonprofit corporation set up to contribute to the economic development of its
community or region — help small businesses obtain financing for the purchase of land,
buildings, machinery, and equipment. The purpose of the program is to create or retain jobs.
This loan program requires the approval of a lender, and a CDC, whose portion of the loan is
guaranteed by the SBA.
Eligibility Criteria
Q You must be a for-profit small business. Individually owned and operated franchises
are also eligible for SBA assistance, provided that all profits and losses are
commensurate with private ownership (that is, profits are not distributed to the parent
corporation).
Q Under the 504 Program, the business qualifies as small if it does not have a tangible
net worth in excess of $6 million and does not have an average net income in excess
of $2 million after taxes for the preceding two years.
Restrictions
D Your business will have to contribute at least 10 percent of the total amount.
Q The maximum loan guarantee is $ 1,000,000.
Q The term of the loan is generally 10 or 20 years.
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Faaaral Financial Assistance Programs
Contact Information
http://www.sba.gov/opc/pio.html
http://www.sba.gov/financing/frcdc504.html
For more information on the SBA's 7(a) Program, including Pollution Control Loan
Guarantees, Microloan Program, or CDC (504) Loans, contact your lender or SBA
Regional Office.
Region I - CT, ME, MA, NH, RI, VT
SBA Regional Office
10 Causeway Street
Suite 812
Boston, MA 02222-1093
(617) 565-8415
Region II - NJ, NY, PR, VI
SBA Regional Office
26 Federal Plaza, Room 3108
New York, NY 10278
(212) 264-7750
Region III - DE, DC, MD, PA, VA, WV
SBA Regional Office
Robert N.C. Nix Federal Building
900 Market Street, 5th Floor
Philadelphia, PA 19107
(215) 580-2805
Region IV - AL, FL, GA, KY, MS, NC,
SC,TN
SBA Regional Office
1720 Peachtree Rd. N.W.
Suite 496 South
Atlanta, GA 30309
(404) 347-3081
Region V - IL, IN, MI, MN, OH, WI
SBA Midwest Regional Office
500 West Madison Street
Suite 1240
Chicago, IL 60661-2511
(312)353-6070
Region VI - AR, LA, NM, OK, TX
SBA Regional Office
4300 Amon Carter Blvd., Suite 114
Fort Worth, TX 76155
(817) 885-6579
Region VII - IA, KS, MO, NE
SBA Regional Office
323 West 8th Street, Suite 307
Kansas City, MO 64105-1500
(816) 374-6380
Region VIII - CO, MN, ND, SD, UT, WY
SBA Regional Office
New Custom House
721 - 19th Street, Suite 400
Denver, CO 80202-3607
(303) 844-0503
Region IX - AZ, CA, GM, HI, NV
SBA Regional Office
455 Market Street, Suite 2200
San Francisco, CA 94105-2445
(415) 744-2301
Region X - AK, OR, ID, WA
SBA Regional Office
1200 Sixth Avenue, Suite 1805
Seattle, WA 98101-1128
(206)553-5231
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Isadora! Financial Assistance Programs
DEPARTMENT OF AGRICULTURE RURAL BUSINESS-COOPERATIVE SERVICE
The Department of Agriculture's Rural Business-Cooperative Service
offers grants and loan guarantees, through the Rural Business
Enterprise Grants Program and the Business and Industry Guaranteed Loan
Program.
Rural Business Enterprise Grants
The RBS administers Rural Business Enterprise Grants (RBEG) to assist with the
development of small and emerging private enterprises. These grants are awarded to public
entities and non-profit corporations (intermediary lenders) that, in turn, make loans or grants to
small emerging businesses that will improve the economies of designated rural areas. You must
show that your business helps enhance your rural economy. You may use the grant to enlarge,
modernize, develop, or repair land or buildings; to purchase machinery, equipment, or land; or to
control or abate pollution.
Eligibility Criteria
Q You must be located in a defined rural area with a population of less than 50,000, and
a population density of fewer than 100 persons per square mile, that is served by a
recipient public entity or non-profit organization.
Q Your business must employ fewer than 50 new employees; have less than $1 million
in projected gross revenue; and utilize technological innovations and
commercialization of new products in rural areas and new processes that can be
utilized in such production.
Restrictions
Q The RBS limits the amount of the grant available to an intermediary lender — that is,
the public entity or private non-profit organization — by the priority score of the
applicant. The intermediary lender may determine the maximum grant or loan that
will be available to you.
Q You must use the grant or loan to support the local community and enhance non-
agricultural employment.
Contact Information
•3^9? http://www.rurdev.usda.gov/rbs/coops/cscontact.htm
http://www.rurdev.usda.gov/rbs/busp/rbeg.htm
See page 14 for RBS state office phone numbers
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Federal Financial Assistance Programs
Business and Industry Guaranteed Loans
The RBS offers Business and Industry (B&I) guaranteed loans to provide credit to businesses
that expand and preserve the non-agricultural job base in rural areas. You may use B&I
guaranteed loans to purchase land, a business, machinery, or equipment; to construct, enlarge, or
modernize your existing equipment; to abate or control pollution; and for various other purposes.
Eligibility Criteria
Q You must be an individual business owner or part of a partnership, corporation, or
cooperative trust. Municipalities, counties, other legal entities, and Indian tribes are
also eligible.
Q You must be located in a defined rural area having a population of less than 50,000
and a population density of fewer than 100 persons per square mile.
Q You will be given priority if your business is located in an area with a population of
less than 25,000 or if you will help save existing jobs, expand a business, or open a
new business.
Restrictions
Q The RBS guarantees 80 percent of loans of $5 million and less; 70 percent of loans
between $5 and $10 million; and 60 percent of loans between $10 million and $25
million.
Q The maximum loan size is $25 million.
a If you own an existing business, you must provide a minimum of 10 percent tangible
equity; if you have a new business, you must provide between 20 and 25 percent
tangible equity.
a You must secure the entire loan with collateral. Acceptable collateral includes cash,
land, buildings, machinery, equipment, accounts receivable, or inventory.
Q Upon receiving the loan, you must pay the RBS a fee equivalent to 2 percent of the
guaranteed portion of the loan.
Contact Information
http://www.rurdev.usda.gov/rbs/coops/cscontact.htm
http://www.mrdev.usda.gov/rbs/busp/b&i_gar.htm
http ://www.mrdev.usda.gov/rbs/busp/b&i_dir.htm
To obtain more information on B&I Guaranteed Loans, or to obtain forms and file
an application for an RBEG, contact your RBS State Office. For the purposes of
conserving space in this document, RBS State Office mailing addresses are omitted,
but are readily available by calling the number provided.
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Federal I*inancial Assistance Programs
RBS State Offices:
Alabama (334) 279-3400
Alaska (907) 745-2176
Arizona (602) 280-8700
Arkansas (501) 301-3200
California (530) 792-5800
Colorado (303) 236-2801
Connecticut (413) 253-4300
Delaware (302) 697-4300
Florida (352) 338-3400
Georgia (706) 546-2162
Hawaii (808) 933-3000
Idaho (208) 378-5600
Illinois (217) 398-5235
Indiana (317) 290-2100
Iowa (515) 284-4663
Kansas (785) 271-2700
Kentucky (606) 224-7300
Louisiana (318) 473-7920
Maine (207) 990-9106
Maryland (302) 697-4300
Massachusetts (413) 253-4300
Michigan (517) 337-6635
Minnesota (651) 602-7800
Mississippi (601) 965-4316
Missouri (573) 876-0976
Montana (406) 585-2580
Nebraska (402) 437-5551
Nevada (702) 887-1222
New Hampshire (802) 828-6000
New Jersey (609) 265-3600
New Mexico (505) 761-4950
New York (315) 477-6400
North Carolina (919) 873-2000
North Dakota (701) 250-4781
Ohio (614) 469-5606
Oklahoma (405) 742-1000
Oregon (503) 414-3300
Pennsylvania (717) 237-2299
Puerto Rico (787) 766-5095
Rhode Island (413) 253-4300
South Carolina (803) 765-5163
Tennessee (615) 783-1300
Texas (254) 742-9774
Utah (801) 524-4320
Vermont (802) 828-6000
Virginia (804) 287-1550
Virgin Islands (802) 828-6000
Washington (360) 704-7740
West Virginia (304) 291-4791
Wisconsin (715) 345-7600
Wyoming (307) 261-6300
DEPARTMENT OF COMMERCE ECONOMIC DEVELOPMENT ADMINISTRATION
Within the Department of Commerce, the Economic Development
Administration (EDA) administers the Public Works and Development Facilities
Program. The EDA funds many types of projects under this program, including
bringing services to industry and commerce, improving ports, and building
business incubator facilities.
Public Works and Development Facilities Program
The Public Works and Development Facilities Program provides grants to help distressed
communities attract new industry, encourage business expansion, diversify their economies, and
generate long-term private-sector employment. States, political subdivisions of states, Indian
tribes, special-purpose units of a local government, public or private nonprofit organizations, or
associations representing an EDA-designated Redevelopment Area may use the funds for public
14
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Federal Financial Assistance Programs
works projects that create or retain private sector jobs. Such projects include construction,
facility improvements, and modernization of existing facilities.
Eligibility Criteria
a You may represent a state, political subdivision of a state, Indian tribe, special-
purpose unit of a local government, a public or private nonprofit organization, or an
association representing an EDA-designated Redevelopment Area.
Restrictions
Q Your project must be located within, or directly benefit, an EDA-designated
Redevelopment Area or Economic Development Center.
a Your proj ect will be given priority if it improves opportunities for the successful
establishment or expansion of industrial or commercial facilities, assists in creating or
retaining jobs, and fulfills a pressing local need.
Contact Information
http ://www.doc.gov/eda/html/pwprog.htm
For more information on the Public Works and Development Facilities Program,
contact you nearest EDA Regional Office.
Atlanta Regional Office - AL, FL, GA, KY, MS, NC, SC, TN
401 West Peachtree Street, NW, Suite 1820
Atlanta, GA 30308-3510
(404) 730-3002
Austin, Regional Office - AR, LA, NM, OK, TX
903 San Jacinto Boulevard, Suite 121
Austin, TX 78701-2450
(512)916-5595
Chicago Regional Office - IL, IN, MI, MN, OH, WI
111 North Canal Street, Suite 855
Chicago, IL 60606-7204
(312)353-8143
Denver Regional Office - CO, IA, KS, MO, MT, NE, ND, SD, UT, WY
1244 Speer Boulevard, Room 670
Denver, CO 80204
(303) 844-4714
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l Financial J\ssistanca Programs
Philadelphia Regional Office - CT, DE, DC, ME, MD, MA, NH, NJ, NY, PA, PR,
RI, VA, VI, WV
Curtis Center, Suite 140 South
Independence Square West
Philadelphia, PA 19106
(215) 597-4603
Seattle Regional Office -AK, AS, AZ, CA, MP, NV, GU, HI, ID, NV, OR, WA, FM,
MH
Jackson Federal Building
915 Second Avenue, Suite 1856
Seattle, WA 98174
(206) 220-7660
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State l'li^^ancial Assistance Programs
STATE FINANCIAL ASSISTANCE PROGRAMS
Eighteen states have active financial assistance programs for UST
upgrades and replacements, with Nevada offering more than one type of
assistance. Some of these state programs also offer assistance with
cleanups of releases from leaking USTs. Because the eligibility
requirements and conditions vary greatly among the programs, you will
need to contact your state program representative for more detailed
information. Telephone numbers and addresses for the 18 state financial
assistance programs and EPA Regional Offices are listed on the following pages. Where special
circumstances affect the availability of a program, you will find a note indicating its status.
Many state programs consider UST owners and operators on Indian lands to be eligible for
financial assistance. In some states, however, the State Attorney General or other state legal
counsel decides on the eligibility of Native American owners and operators. If you are a Native
American residing on Indian land and you own or operate an UST, you should contact your state
to confirm your eligibility.
Your state UST program contact can answer other questions regarding UST systems. You
can obtain the name of your state contact by calling the RCRA, Superfund & EPCRA Hotline at
(800) 424-9346, or by viewing the information at the following Internet address:
Contact Information
http ://www.epa.gov/OUST/states/statconl .htm
You may also request a copy of the Underground Storage Tank Program Directory
(EPA510-B-98-003), that lists these contacts, from the RCRA, Superfund & EPCRA Hotline,
or the National Service Center for Environmental Publications (NSCEP) at (800) 490-9198.
You may also download a copy of the document at the following Internet address:
http://www.epa.gov/OUST/pubs/index.htm
STATE FINANCIAL ASSISTANCE PROGRAM OFFICES
Arkansas
Small Business Assistance
P.O. Box 8913
Little Rock, AR 72219-8913
Phone: (501) 682-0709
Fax: (501) 682-0880
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Slate Financial Assistance Programs
California
Replacing Underground Storage Tank (RUST) Fund
California Trade and Commerce Agency - Office of Small Business
Call for the mailing address of the closest authorized RUST loan packager.
Phone: (916) 323-9879
Fax: (916) 322-5084
http://www.commerce.ca.gov^usiness/small/financial/rust.html
STATUS: Program will continue until December 22,1999.
Delaware
Plus Program Loans for Underground Storage Tank Systems
Delaware Department of Natural Resources and Environmental Control
Underground Storage Tank Branch
391 Lukens Drive
New Castle, DE 19720
Phone: (302) 395-2500
Fax: (302) 395-2601
Hawaii
Hawaii Capital Loan Program
Department of Business, Economic Development and Tourism
Financial Assistance Branch
P.O. Box 2359
Honolulu, HI 96804
Phone: (808) 586-2576
Fax: (808) 587-3862
Idaho
Underground Storage Tank Financing Program
Idaho State Treasurer's Office
Room 102 Statehouse
P.O. Box 83720
Boise, ID 83720-0091
Phone: (208) 334-3200
Fax: (208) 332-2961
http://www.state.id.us/treasur/sbaproc.htm
STATUS: Program will not accept new applicants. A new financial assistance program for
UST upgrades is pending legislative approval and could begin as soon as July 1, 1999.
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Stata financial Assistance Programs
Iowa
Iowa Underground Storage Tank Program
P.O. Box 9400
Sioux City, IA 51102-9400
Phone: (712) 252-1455
Fax: (712) 252-5974
http://www.state.ia.us/government/dnr/organiza/epd/ust/lqust.htm
Maine
Oil Storage Facility or Tank Replacement Program
Finance Authority of Maine
83 Western Avenue
P.O. Box 949
Augusta, ME 04332-0949
Phone: (207) 623-3263
Fax: (207) 623-0095
http ://www. famemaine.com/biz/index.html
Massachusetts
Underground Storage Tank Petroleum Cleanup Fund
Department of Revenue
P.O. Box 7055
Boston, MA 02204
Phone: (617) 887-5970
Fax: (617) 887-5989
http://www.magnet.state.ma.us/ust/
Minnesota
Underground Petroleum Tank Replacement Loan Program
Department of Trade and Economic Development
500 Metro Square, 121 7th Place East
St. Paul, MN 55101-2146
Phone:(651)296-6858
Fax:(651)296-5287
http://www.dted.state.mn.us^usasst/fmasst/tankrepl.html
Montana
Small Business and Tribal Energy and Environmental Loan Program
Montana Department of Environmental Quality
P.O. Box 200901
Helena, MT 59620-0901
Phone: (406) 444-3075; (800) 433-8773
Fax: (406) 444-6836
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State Financial Assistance Programs
Nevada
Rural Nevada Development Corporation Fund,
Nevada Revolving Loan Fund,
Nevada Development Capital Corporation Fund,
Nevada State Development Corporation Fund, and
Rural Nevada Development Corporation
116 East 7th Street, Suite 3
Carson City, NV 89701
Phone: (800) 337-4590
Fax: (775) 841-2221
http ://www.state.nv.us/binn/finance
New Jersey
Petroleum Underground Storage Tank Fund
New Jersey Department of Environmental Protection
P.O. Box 433
Trenton, NJ 08625-0028
Phone: (609) 984-4464
Fax: (609) 633-1439
Ohio
Petroleum Underground Storage Tank Linked Deposit Program
Ohio Underground Storage Tank Release Compensation Board
6606 Tussing Road
Reynoldsburg, OH 43068
Phone: (614) 752-8963
Fax: (614) 752-8397
Oregon
Underground Storage Tank Financial Assistance Program
Oregon Department of Environmental Quality
811 SW 6th Avenue
Portland, OR 97204-1390
Phone: (503) 229-5870
Fax: (503) 229-6954
STATUS: Awaiting reauthorization to operate past June 6, 1999.
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State Financial Assistance Programs
Pennsylvania
Pennsylvania Department of Community and Economic Development
Underground Storage Tank Upgrade Loan Project
486 Forum Building ;
Harrisburg, PA 17120
Phone:(717)783-5046
Fax: (717) 787-9154
http://www.dced.state.pa.us7P A_Exec/DCED/business/f.under.htm
Utah
Petroleum Storage Tank Loan Fund
Division of Environmental Response and Remediation, UST Section
P.O. Box 144880
Salt Lake City, UT 84114-4840
Phone: (801) 536-4100
Fax: (801) 359-8853
http://www.deq.state.ut.us/eqerr/errhmpg.htm
Vermont
Underground Storage Tank Loan Program
Waste Management Division
Department of Environmental Conservation
103 South Main Street, West Building
Waterbury,VT 05671-0404
Phone: (802) 241-3888
Fax: (802) 241-3296
West Virginia
Small Business Loan Program
West Virginia Economic Development Authority
950 Kanawha Boulevard
Charleston, WV 25301
Phone: (304) 558-3650
Fax: (304) 558-0206
http://www.wvdo.org/sbdc/development.htm
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P.S. KPA Regional UST Program Offices;
U.S. EPA REGIONAL UST PROGRAM OFFICES
If you have questions about the federal UST program, you should direct them to the RCRA,
Superfund & EPCRA Hotline at (800) 424-9346, or call your Regional UST Program office.
Region I
1 Congress Street
Suite 1100
MCHBO
Boston, MA 02114-2023
(617)918-1313
http://www.epa.gov/OUST/
regions/regionOl .htm
Region II
Water Compliance Branch
290 Broadway
MC2DECA-WCB
New York, NY 10007-1866
(212) 637-4232
http://www.epa.gov/OUST/
rcgions/region02.htm
Region III
1650 Arch Street
MC 3WC21
Philadelphia, PA 19103-2029
(215) 814-3400
http://www.epa.gov/OUST/
regions/regionOS .htm
Region IV
Water Management Division; UST Section
Atlanta Federal Center
61 Forsyth Street, SW
Atlanta, GA 30303-3104
(404) 562-9424
http://www.epa.gov/OUST/
regions/region04.htm
Region V
77 West Jackson Boulevard
MC DU-7J
Chicago, IL 60604-3590
(312)886-6159
http://www.epa.gov/OUST/
regions/regionOS.htm
Region VI
First Interstate Bank Tower
1445 Ross Avenue, Suite 1200
MC 6PD-U
Dallas, TX 75202-2733
(214) 665-6760
http://www.epa.gov/OUST/
regions/region06 .htm
Region VII
MC ART/USTB
726 Minnesota Avenue
Kansas City, KS 66101
(913)551-7651
http://www.epa.gov/OUST/regions/
region07.htm
Region VIII
999 18th Street
Suite 500
MC 8P-W-GW
Denver, CO 80202-2466
(303)312-6137
http://www.epa.gov/OUST/
regions/regionOS.htm
Region IX
75 Hawthorne Street
MC WST-8
San Francisco, CA 94105
(415) 744-2083
http://www.epa.gov/OUST/regions/
region09.htm
Region X
1200 Sixth Avenue
MC OW-137
Seattle, WA 98101
(206) 553-2857
http://www.epa.gov/OUST/regions/
regionl0.htm
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C,omplianca Assistance Direct
COMPLIANCE ASSISTANCE DIRECT
You can find additional compliance assistance and financing information provided by EPA's
Office of Underground Storage Tanks (OUST) and other offices within EPA at the Internet
addresses listed below.
OUST Home Page
http://www.epa.gov/OUST
This page can help you accomplish the following:
Q Find information on financial help and technical requirements
Q Check the answers to frequently asked questions
a Access publications about UST requirements and read them online, download them, or
order free copies
a Cover information on cleaning up UST releases
a Refer to the federal UST laws and regulations
Q Link to additional Web sites that have useful compliance information.
The Small Business Environmental Homepage
http://www.smallbiz-enviroweb.org
This page contains information on state financial assistance programs and other "Funding Help'
at the following address:
IT http://www.smallbiz-envkoweb.org/fundstat.html
EPA's Small Business Gateway
^S;f http://www.epa.gov/smallbusiness
This page includes a section on "The Bottom Line: Saving and Finding Money" at the following
address:
^IHf http://www.epa.gov/smallbusiness/money.htm
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