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Below are some examples of programs that have already contributed to the
Cafeteria Plan as well as links to State Financial Assistance Program Web Sites.
The NSBFAWG’s ongoing goal is to centrally archive this information to serve
as a standing online working reference for financial assistance providers.
Please contact Audrey G. Zelanko
if you have any financial assistance program success stories/examples to
add. If you send or email information to share, please
include: description of your financial assistance program (type,
funding, etc.), strengths and weaknesses of your program, any improvements
made or that could be made to make the program better, and proven
performance benefits of the program.
Program Examples:
Kansas
Minnesota
Ohio
Pennsylvania
Texas
Virginia
Washington
West Virginia
Links to State Financial Assistance Program Web Sites
Financial Assistance Program Survey
Results Database
Funding Opportunities (pdf)
-- U.S. EPA State and Local Capacity Building Branch April 2004 directory of
funding opportunities for energy efficiency, renewable energy, and environmental
protection assistance programs.
Kansas Department of Health and Environment Grant for Small Quantity Generators
I recently received a grant from the Kansas Department of Health and
Environment for money to serve as a one-time disposal incentive for SQGs
in our service area to use our HHW program for proper disposal of
accumulated wastes, help in procuring proper containment, and financial
assistance in receiving collection service from our contractor (Philip
Environmental Services). There is no match required from the SQG (who must
all be pre-qualified through my office). When appropriate
- SQG waste will be commingled with HHW waste @ the Lawrence/Douglas
County HHW facility. We are targeting SQG generators of heavy metals as these wastes are considered
problematic by our Industrial Pretreatment Water Quality Manager in Lawrence.
After the one-time incentive monies are spent, SQGs will pay to
dispose of the waste through the HHW Facility.
The cost will be our programs' cost for disposal (via our contract
schedule of prices per DOT class) plus a 15% Administrative fee.
They must bring the materials to our facility - we will not go and
pick up wastes.
Here's the text that I've pulled from the grant that may explain it
better:
CESGQ ONE-TIME DISPOSAL INCENTIVE
Ten thousand dollars will be made available to CESQGs (first-come,
first-served basis) for a one-time disposal cost. This incentive money
will not be made available again through
the Lawrence/Douglas County Household Hazardous Waste Program.
Priority will be given to pre-qualified CESQGs with accumulations
greater than their normal CESQG monthly generation.
(In Kansas, a SQG is defined as a business generating less
than 55 pounds /25 kilograms of hazardous waste in any single calendar
month or 2.2 pounds / 12 kilogram of extremely hazardous waste).
All businesses will be pre-qualified by Waste Reduction and
Recycling Division staff. Those businesses found to be Kansas Generators will be referred to KDHE for
registration and the Kansas State Pollution Prevention Institute for
non-regulatory technical assistance.
WR/R staff will coordinate with certified hazardous waste haulers to
schedule "milkruns" as appropriate for drum quantities of CESQG
waste. Containers (DOT approved) will be available for those businesses who have need of them.
Businesses will not have to pay for either the milkrun collection
or container costs for the duration of this incentive program. (An
additional $5,000 has been earmarked through the grant for container and
"milkrun" collection costs).
Mollie Mangerich
City of Lawrence
Waste Reduction and Recycling Division
(785) 832-3030
(785) 832-3056
Minnesota Pollution Control Agency (Small Business Ombudsman)
The Minnesota Pollution Control Agency’s Small Business Environmental
Improvement Loan Program offers low-interest loans to small businesses for
new equipment purchases that meet or exceed environmental regulations, and
for site investigation and cleanup projects. Loan amounts range from $1,000 to
$50,000 with terms up to seven years. Interest rates are one-half the prime
rate, or four percent, whichever is higher at the time the loan is awarded. The
program was originally funded through a legislative appropriation.
It currently operates as a revolving loan account.
For more detail on Minnesota’s Small Business Environmental Improvement Loan Program:
The Minnesota Pollution Control Agency (MPCA) recognizes the fact that environmental
regulations often have a significant impact on small businesses.
As a means to respond to this concern, the MPCA created the Small
Business Environmental Improvement Loan Program to help small businesses
achieve successes with their environmental projects and goals.
The program offers low-interest loans to small businesses for
making equipment or process upgrades that meet or exceed environmental
regulations, and for costs associated with the investigation and clean-up
of hazardous materials. So far the program has been nothing short of a
series of environmental and economic successes for participating businesses
and the MPCA. As a means to illustrate, loans made to members of the dry
cleaning industry were evaluated to provide a "sector snapshot" of the
program's effectiveness. Dry cleaners were chosen due to the high response
rate their industry has had to the program. The results
of the evaluation are summarized as follows.
Since October of 1995, the program has loaned out close to $900,000 for 22
environmental improvement projects at dry cleaning businesses.
The vast majority of these projects have involved new equipment
purchases focused on replacing outdated "transfer" equipment
technology. As a means to measure the effectiveness of these projects,
loan recipients were surveyed a minimum of one year after project completion.
The survey results were impressive. From an environmental standpoint,
average annual solvent consumption has dropped 75 percent, or about 235
gallons per business. Similarly, average annual hazardous waste generation
has been reduced by almost 70 percent. Reductions in water, natural gas and
electricity consumption were reported but not consistently quantified. Businesses
also credited the projects with improving indoor employee work environments.
Dollar-wise, the reported reductions in solvent usage are saving each business an
average of nearly $2,500 per year in material purchase costs, while
reductions in hazardous waste generation are saving each business nearly
$1,000 per year in handling and disposal fees. Reductions in water, natural
gas and electricity consumption were also estimated to result in savings
of as much as $1,500 per year. Collectively, the annual cost saving per
dry cleaner is believed to be in the neighborhood of $5,000.With
most of the loans to dry cleaners falling in the $35,000 to $50,000 range,
the new equipment purchases are expected to pay for themselves in 7 to 10
years. This timeframe may be even shorter given the higher load capacity
and greater cleaning efficiency of the new technology equipment, resulting
in increased production and higher profits margins.
The impacts of these cost savings are further evidenced by the fact that none
of the loans to dry cleaners have gone into default.
Information collected during the loan application process
indicates that dry cleaners are keenly aware of the cost savings possible
with the new technology equipment, and point to them as a means to help
them qualify financially for the loan program.
This scenario provides a positive benefit to the MPCA by providing
a reliable, self-perpetuating, and growing source of funding for the
program via monthly principal and interest payments.
The small business community is benefited by the continued
existence of program funds to finance new environmental improvement
projects.
As a brief aside, not all of the information collected during the evaluations
fell into quantifiable environmental or economic categories.
Anecdotal information highlighting positive responses to the
program were also collected. For example, many respondents indicated
that they entered into the program because it was more flexible, and
clearly more affordable than loans offered through traditional lending
institutions. Others indicated that they elected to participate after
receiving environmental compliance assistance from the MPCA’s Small
Business Assistance Program. Many of the respondents indicated that
they would not have conducted their projects without the program, while
all of the respondents indicated that they would recommend the program to other businesses.
As indicated at the outset, the Small Business Environmental Improvement Loan
Program has been a success from both sides of the regulatory fence.
While somewhat brief, I hope that this "sector snapshot" has
been helpful in illustrating this point. Future evaluations will be
conducted to help monitor the environmental and economic pulses of the program.
These evaluations will be used to keep the program on course with
the needs of the small business community. As they become available
we intend to share them through various forums, including this web site. In
the interim, please feel free to contact me should you desire additional
information regarding the MPCA’s Small Business Environmental
Improvement Loan Program.
State of Ohio, Clean Air Resource Center (Mark Shanahan)
Ohio offers a tax exemption plan for purchases made under their Small Business
Assistance Program (SBAP) loans, and tax exemption on the interest
collected by the financial institutions making the loans.
Pennsylvania Department of Environmental Protection
This revolving loan program makes loans to businesses
with fewer than 100 employees, for pollution prevention (P2) or energy
conservation. New legislation is under consideration to create a "micro
loan" program for start-ups, where no collateral is required, only 2%
interest, and fees are limited to 1%, with seven- year terms, capped at
$50,000 or 75% of total project cost. The loan fund has been allotted $2
million per year for five years.
City of Austin, Texas Program for Gas and Electric Customers
This information has been provided by Steve Saenz of
the City of Austin, Texas. Steve’s program pays rebates to gas and electric
customers for equipment, or measures to improve efficiency, such as insulation.
Hydronic heating from water heaters is similar to co-generation, capturing energy
that would otherwise be wasted from heating water, and using it for other
means. In the arena of food service, the City of Austin pays restaurants assistance
to purchase booster water heaters for dish washing. The small, auxiliary water heaters
boost the water temperature from the main water heaters to that needed for sanitary
dishwashing. This allows the main water heater to be set at a lower temperature, saving energy and
possibly increasing safety. On the residential side, the City promotes the installation of higher
efficiency water heaters, similar to California standards, reducing energy demands. All of these
measures help to reduce nitrogen oxide emissions.
Virginia's New Small Business Environmental Compliance Assistance Fund
The Virginia Department of Environmental
Quality (DEQ) has entered into a cooperative agreement with the Virginia
Department of Business Assistance (DBA) to develop and administer a
revolving loan program. Through this program low-interest rate loans are
available to small businesses for the purchase and installation of
replacement equipment needed to comply with the Clean Air Act; or to
implement voluntary pollution prevention measures; or for the
implementation of selected voluntary agricultural best management (BMPs)
practices as listed in the Virginia Agricultural BMP Manual.
Some examples of eligible loan uses include high-volume, low-pressure spray
guns, dry cleaning machines, alternative curing technologies, ultrasonic cleaning
equipment to replace a solvent system, debarkers and chippers, and agricultural BMPs
that include equipment or structures such as animal waste control facilities and animal
waste structure pumping equipment.
Loans may not be used to comply with an
enforcement action by DEQ, the State Air Pollution Control Board, the
State Water Control Board, the Virginia Waste Management Board, or the
Department of Agriculture and Consumer Services.
Interest rates on these loans will be fixed
at 3%. The maximum loan amount is $100,000.00 per borrower and repayment
terms will be based upon the borrower's ability to repay and the useful
life of the equipment, or the life of the agricultural BMP. There is an
application fee of $30.00. Applicants must complete the VSBFA application
and submit it to VSBFA with all attachments for consideration.
Loans may only be made to qualified
businesses defined as small businesses that meet the definition of a small
business found in § 10.1-1197.1 of the Code of Virginia; e.g., the
business employs 100 or fewer people; and is a small business concern as
defined in the federal Small Business Act (15 U.S.C. § 631 et seq.) as amended.
(taken from
http://www.dba.state.va.us/financing/programs/small.asp)
Scott Parsons
Director of Financial Services Division
Virginia Department of Business Assistance
sparsons@dba.state.va.us
Richard Rasmussen
Manager, Small Business Assistance Program
Virginia Department of Environmental Quality
rgrasmusse@deq.state.va.us
King County, Washington
The Local Hazardous Waste Management Program (LHWMP) in
King County (Seattle, WA) has completed a seminar held
on behalf of the newly formed Northwest Dry Cleaners Association. This
association formed out of a previous organization, and joins the
Washington State Korean Dry Cleaners Association in representing the dry
cleaning industry in our county and our State. It has proven valuable to
the LHWMP to work through business associations. In the absence of a trade
association to represent the members of the previous organization, we
decided to provide financial assistance and logistical support for the
creation of the new association. At this seminar, we brought together the
leaders of the two associations to promote cooperation between their
members, and with the involved government agencies. Trevor Fernandes of
the LHWMP was instrumental in this effort. We had presentations at the
seminar, held on October 12, 1999, from representatives of several agencies
involved with small businesses. With us were representatives of the local
air regulatory body, Puget Sound Clean Air Agency; a representative of the
State equivalency of OSHA, Washington Labor and Industries;
representatives of the State environmental agency, Washington Department
of Ecology; and a representative of our extension of the Federal Small
Business Administration, Washington State University-Small Business
Development Center. This powerful seminar provided a tremendous amount of
good information to the associations. Our efforts were well received, and
I would recommend this kind of multi-agency cooperation in providing
assistance to businesses.
King County (Seattle, Washington) provides technical and financial assistance
to businesses that are considered small quantity generators (SQGs) to
assist them to come into compliance with applicable environmental
regulations. The purpose of the Voucher Incentive Program (VIP ) is to
provide financial assistance for these businesses to better manage their
hazardous materials. Field team staff issue vouchers to SQGs
that have implemented the Best Management Practices (BMPs)
specified by the field team staff. The VIP reimburses
eligible businesses for half the cost of their hazardous materials
management up to $500 per business site. The vouchers can cover
costs associated with utilizing hazardous waste transporters, as well as
treatment, storage, and disposal facilities (TSDFs). These costs
might include services such as waste profiling; transportation and
shipping; treatment, storage, and disposal; or recycling of hazardous
materials. Vouchers may also be issued to help pay for the purchase
of secondary containment, spill control, and cleanup equipment, fire
suppression or safety equipment, personal protective equipment (PPE), and
education or training pertinent to the management of hazardous materials.
Vouchers do not cover disposal costs for nonhazardous wastes or services
not specified by program field team staff. Businesses that receive
reimbursement must agree to continue to manage their hazardous waste in a
proper, responsible manner.
King County is currently working with the Puget Sound Clean Air Agency on joint
inspections at automotive body shops. If the shops agree to adopt a certain standard of hazardous
materials management, then the County can help shops attain this standard
with Voucher Incentive Program funds. Shops can then apply to have their air emission permit fees
reduced, and not have to have any local government agency inspection for a
period of time, maybe two years. This is a cooperative effort that you may be able to practice in your State.
West Virginia, Office of Air Quality
West Virginia provides a low-interest revolving loan program, with loans made
for environmental improvements, pollution prevention, recycling, or waste
reduction. Loans are only provided to small businesses, with fewer than 50 employees.
Amounts loaned range between $5,000 and $150,000, with the interest fixed at half of
the prime rate but not less than 4%. Collateral and down payments are required. This
program is based on Senate Bill 96.
Contact Audrey G. Zelanko
if
you would like to join the Work Group and for questions/comments on this web page
Last Updated:
October 26, 2007
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