Georgia Transportation Infastructure Bank
GTIB’s Roadway Grant and Loan Program
When Applying Please Keep in Mind:
- Application forms have been recently updated and can be found within the guideline documentation at the bottom of this page. Please review the guidelines and download the updated application forms.
- Consistent with the Governor’s goals for transportation, GTIB has prioritized investment in rural areas. In the past three rounds (FY23-FY25), 100% of eligible rural applications have received at least a portion of their requested funding.
- Consider Applying for a Loan!
- Loans have competed better than grants. In the last three rounds of funding (FY23-FY25), 75% of applications requesting a loan-only and 58% of applications requesting a loan/grant combo received awards, compared to 17% of applications requesting a grant-only.
- GDOT’s Local Maintenance & Improvements Grant (LMIG) funding can be used to repay GTIB loans.
Frequently Asked Questions:
Who is Eligible?
- Eligible entities include: City Governments, County Governments, Community Improvement Districts (CIDs), State Authorities, Boards, Commissions, Agencies, and Departments as well as any combination of these.
- If you have any questions or concerns about whether you are eligible, please contact Deborah Humes at [email protected].
How do I Apply?
- Click on “Apply for a GTIB Loan,” “Apply for a GTIB Loan & Grant,” or “Apply for a GTIB Grant,” review the additional details, and click on the application link at the bottom.
- Fill out an application, ensure your governing board authorizes submission of the application, and send all required documents to [email protected].
- Note: Loans must also include the Financial Documentation Form.
- Mail the $250 application fee to SRTA (must be received within 2 weeks of submitting an electronic application).
What Are the Current (November 2025) Interest Rates?
GTIB interest rates are tied to GEFA Georgia Fund rates and are shown below for this round of funding. Applicants selecting a repayment timeframe between the interest rate periods below will be assigned the higher interest rate. For example, an applicant requesting a 7-year repayment period would be assigned the 10-year interest rate of 2.68%.
- 5-Year Loan 2.56%
- 10-Year Loan 2.68%
- 15-Year Loan 3.08%
- 20-Year Loan 3.49%
What are the most recent loan and grant approval rates (2023 - 2025)?
- Grant-Only Applications: 17%
- Loan-Only Applications: 75%
- Applications Requesting Both: 58%
How are applications evaluated?
- Applications are evaluated based on engineering value (e.g., mobility, congestion relief, etc.), economic impact, matching funds and feasibility.
- Still have questions? Not sure if your project is eligible? Not sure if your project will be competitive? We’re here to help! Please reach out to Debbie Humes at [email protected] to learn more.
What Can I Expect After I Apply?
- GTIB staff may reach out to applicants between the application submission and the expected award date for additional information.
- GTIB expects to notify applicants of awards in June 2026. All applicants will be contacted regardless of award status.
What Can I Expect if I Get an Award?
- Contracts will be sent out for signature along with associated closing documents within approximately 4 weeks of announcing awards. Awardees typically take 2-3 months to return all documents. If this timeframe is met, awardees can be set up for reimbursement within 3-4 months from announcement.
- GTIB averages 14 days to process valid reimbursement requests.
- GTIB funds will not be used for expenses already incurred or paid for by an award recipient before the contract effective date, unless such expenses are expressly authorized in advance and in writing by the GTIB.
What Projects and Costs are Eligible?
- GTIB project eligibility is limited to road and bridge projects including associated bicycle, pedestrian and traffic control infrastructure.
- GTIB funds may be utilized for preliminary engineering, right-of-way and/or construction costs.
For additional details and an application please click on “Apply for a GTIB Loan,” “Apply for a GTIB Loan & Grant,” or “Apply for a GTIB Grant.”
At this time, GTIB is not accepting applications for loan and grant funding. Please check back later in 2025 for announcements about future funding opportunities. If you have any questions regarding the program, please contact [email protected].
