Become a participating lender

  1. Fill out the online application and send the Lender Participation Agreement to the Iowa Finance Authority (IFA) 
    via fax: 515-725-4901
    or mail:
    1963 Bell Ave., Suite 200
    Des Moines, IA 50315
  2. After receiving the signed Lender Participation Agreement, IFA will activate the lender. The lender may now access the online system.

Borrower Project Application Process
The borrower works with the local Soil & Water Conservation District on the project. For more information on project eligibility or approval, contact Tony Toigo at 515-281-6148.

Borrower Loan Application Process
The borrower completes a participating lender’s normal loan application process.
When the loan is approved by the local lender, the lender completes the online application.

Loan Completion

  1. After the project has been completed, inspected and certified by the local NRCS staff, the Division of Soil Conservation (DSC) approves the project and loan amount online.
  2. After DSC approves the project, IFA approves the application and the lender receives an email that funds can now be requested.
  3. Lender goes online and requests the funds. This involves entering loan details (date of loan, term of loan, lender contact, etc.).
  4. Funds are deposited in an IFA deposit account at the local lending institution and the borrower receives his/her loan from the lender.


  1. Approximately two weeks before the anniversary date of the loan, IFA will send a notice to the local lender via email reminding the lender that IFA will withdraw from its deposit account an amount approximately equal to the principal that has been repaid.
  2. The amount in the deposit account and the amount of the outstanding principal on the loan will be the same.