Fire Departments and EMS can combat tight budgets and improve safety for their members and the community by taking advantage of tax-exempt financing with flexible payment terms.

A smart option for school districts is using lease-purchase financing for Energy Performance Contracts, HVAC, scoreboards or new bleachers to help bridge the gap between the budget and project cost overruns.

The Equipment Lease-Purchase Program, endorsed by the WVML (West Virginia Municipal League) and the CCAWV (County Commissioner's Association of West Virginia), was developed as a financing alternative to cash purchases and helps spread the cost of equipment over the equipment's life expectancy.

Financing radio read meters, pumps, generators and other equipment for sanitary/sewer and water boards can assist in providing essential services and stay within the budget.