Financial capacity refers to the financial resources of the water system, including but not limited to revenue sufficiency, credit worthiness, and fiscal controls.

• EPA - Capacity Development Financial Help
• EPA - Environmental Financing Information Network  The Environmental Financing Information Network provides information on financing alternatives for state and local environmental programs and small businesses
• Univ of Maryland - Environmental Finance Center  The Environmental Finance Center (EFC) at the University of Maryland is one of ten University-based centers across the country providing communities with the tools and information necessary to manage change for a healthy environment and an enhanced quality of life.
• EPA - Check Up Program for Small Systems (CUPSS) User-friendly asset management software designed expecially for small drinking water and wastewater systems.
• EPA – Fact Sheet: Using DWSRF Set-Aside Funds for Capacity Development
• EPA - Setting Small Drinking Water System Rates for a Sustainable Future – STEP Guide Series (PDF) Information on the importance of recovering costs through user fees and developing a budget and financial plan.
• EPA – Drinking Water State Revolving Fund Program
• MDE- Water Quality Financing 
• RCAP - The Basics of Financial Management for Small Community Utilities  This how-to guide provides an overview of financial management for small-community water utilities, from developing and balancing an expense budget to estimating and collecting revenue.
• RCAP - Formulate Great Rates: The Guide to Conducting a Rate Study for a Water System  A guide to developing a fair and equitable rate structure in a small drinking water or wastewater system.
• RCAP - USDA Rural Utilities Service Borrower's Guide:  A How-to for Water and Wastewater Loans from USDA Rural Development  Summarizes the managerial and financial requirements for communities that are receiving U.S. Department of Agriculture Rural Utilities Services (RUS) loan funds for their water or wastewater utility.

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For More Information
Please contact the Water Supply Program at WATER.SUPPLY@maryland.gov or 410-537-3702​