Loan Program

NADBank provides direct financing to public and private entities for the implementation of environmental infrastructure projects located within the U.S.-Mexico border region. It also offers a variety of financial services to support border communities and other sponsors in developing sustainable projects with sound financial structures.

Available Financing

NADBank works closely with project sponsors to structure appropriate and affordable financing packages to meet the specific needs of each community or project.

Financing may be provided in a number of ways, including:

  • Direct loans: Term, bridge, A/B, etc.
  • Revolving lines of credit
  • Participation in municipal bond issues

Additionally, NADBank may act as the sole lender or co-finance projects with other public or private financiers, depending upon the characteristics and financing needs of the project.

Non-disclosure of Confidential Information

The Bank has established regulations to protect business or proprietary information from disclosure, as well as information that would violate personal privacy or the confidentiality of government decision-making.  Project sponsors that request assistance or submit an application to the Bank may request that information contained therein be designated confidential by the Bank.

Need Project Development Support?

NADBank can provide technical assistance and financial services to help sponsors prepare projects for financing and implementation.

Project Studies & Design

Grant assistance may be available to fund studies and develop documentation needed to complete a comprehensive analysis of the project, as well as to support its long-term sustainability.

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Financial Services

NADBank offers a variety of financial services to support border communities and other sponsors in developing sustainable projects with sound financial structures.

Learn More

Financing Terms & Conditions


Loan maturities may range up to 30 years, depending on individual project requirements.


Loans are available in U.S. dollars or Mexican pesos, depending on the project location and source of repayment.


As a matter of prudent risk management, the Bank imposes limits per project and per borrower. In general, NADBank cannot finance more than 85 percent of the eligible costs of a project. Funding from other sources in the form of equity contributions, subordinated loans, grants or co-financing is required.


Project Type

To be eligible for financing and other forms of assistance from NADBank, projects must remedy an environmental and/or human health problem. Projects in the following categories qualify as environmental infrastructure and may be eligible for NADBank financing.

  • Water: Projects that protect water resources and improve water and sanitation services, including drinking water production, treatment, and distribution; wastewater collection, treatment, and reuse; water conservation; and stormwater management.
  • Solid waste: Projects that support the adequate management of solid waste, including municipal solid waste collection and disposal, solid waste recycling and reduction, and industrial and hazardous waste management.
  • Air quality: Projects that improve air quality by preventing or reducing air pollution, such as street paving, international border crossings, industrial emission controls and mobility projects that promote the clean and efficient movement of people and cargo through transportation systems with low- or zero-emissions.
  • Sustainable energy: Renewable energy generation, energy efficiency projects that reduce the carbon footprint of existing infrastructure or operations, and energy storage that reduce the intermittency of renewable energy generating assets or enhance grid stability, resiliency, and reliability.
  • Urban development: Projects that promote sustainable urban planning, design, and development, such as low-impact and green infrastructure; sustainable land development (mixed-use, re-densification, transport-oriented development) and “smart city” elements to improve sustainability.
  • Sustainable buildings and industrial parks: Construction or retrofitting of industrial parks and residential, institutional, commercial or industrial buildings with more efficient technologies that reduce energy or water consumption, greenhouse gas emissions or waste generation.
  • Green manufacturing and products: Investments in facilities and equipment that reduce the environmental impact of manufacturing processes by increasing energy efficiency, conserving or reusing water, reducing or recycling waste and minimizing pollution. Manufacture of green products that use fewer natural resources or produce less pollution during their life cycle, when compared to conventional products.
  • Sustainable food value chains: Investments in agricultural practices or equipment that reduce the use of water, energy, fertilizers or pesticides; investments in agricultural practices or equipment that reduce erosion, runoff, greenhouse gas emissions and/or other forms of pollution or environmental degradation; and investments to reduce the use of resources or the generation of waste during food processing, packaging, storage, transportation, distribution and commercialization.
  • Climate change adaptation and resilience: Investments in low-impact, green or gray infrastructure designed to diversify and/or drought-proof water supplies, increase flood protection and/or adapt to more severe heat waves, as well as retrofits of existing infrastructure to operate in extreme weather conditions.

Project Location

Projects must be located within the border region, defined as 100 kilometers (62 miles) north of the international boundary in the four U.S. states of Arizona, California, New Mexico and Texas and within 300 kilometers (about 186 miles) south of the border in the six Mexican states of Baja California, Chihuahua, Coahuila, Nuevo Leon, Sonora, and Tamaulipas.

Legal Authority

The project sponsor must have the legal authority to develop the project, provide the proposed services and/or contract the proposed financing.

A project must also observe or be capable of observing the environmental and other laws and regulations of the place where it is to be located or executed, including obtaining the necessary operating permits, licenses, and other regulatory requirements related to land acquisition and rights-of-way.


The project must meet or be capable of meeting the technical, environmental and financial criteria for certification and financing approval by the Board of Directors.

More detailed information about these requirements is provided in the Project Certification Criteria.

Loan Evaluation Criteria

NADBank undertakes a rigorous due-diligence process of each project submitted for loan financing to ensure that the project is technically, environmentally, financially and economically sound; that the project sponsor has the institutional, managerial and structural capability to carry out the project; and that the project meets market standards.

Loan Financing Process

The main steps that NADBank follows to approve a loan are summarized below. 

Determine if project is eligible and request detailed information about project.
Begin internal due-diligence review and analysis upon receipt of requested information.
Offer technical assistance and financial services, if necessary and available, to assist sponsor with project development.
Prepare project certification and financing proposal and conduct 30-day public comment period.
Submit the project proposal to its Board of Directors for approval.
Review financing documentation and close loan.
Disburse loan and monitor project implementation progress.
Confirm project completion and the start-up of operations
Monitor project operation and loan amortization.
Perform project closeout 1 year after project startup.

Getting Started (210) 231-8000

To get the conversation started, complete the form below or call the above number above to talk to a project development officer.