Maryland State Firemen's Association

Future Convention Dates
June 16-22, 2018
June 15-21, 2019
June 13-19, 2020
June 12-18, 2021
June 11-17, 2022

Executive Committee Meetings

August 26, 2017
Reese and Community Volunteer Fire Company

December 2, 2017
Kent Island Volunteer Fire Department

February 24, 2018
Singerly Fire Company

April 14, 2018
Midland Volunteer Fire Deparment #1

June 17, 2018
Ocean City

June 22, 2018
Ocean City

June 21, 2017
Fire Prevention Floats for the parade today
June 19, 2017
Mechanicsville Vol. Fire Dept. mourns the loss of Past President James F. Mattingly, III
June 12, 2017
SAVE THE DATE - BCC Rescue Squad Alumni Association Crab Feast
June 10, 2017
Bay District VFD Historical Committee
June 6, 2017
MALSC 2017
View All Announcements

Online Calendar
Next Seven Days
June 28, 2017
Harford County Volunteer Fire and Ambulance Assn
View All Events

VCAF Home Req'd Documents Instructions Apply VCAF Reps
Guidelines for Loans and Grants from the Volunteer Company Assistance Fund
General Information – “What” is the Volunteer Company Assistance Fund (VCAF):
  • The VCAF is a loan and grant service provided by the State of Maryland, and administered by the Maryland State Firemen’s Association (MSFA) and the Maryland Military Department for the purpose of assisting volunteer ambulance, fire, or rescue companies located in the State of Maryland with purchasing, replacing or improving firefighting and rescue equipment and facilities used to house firefighting equipment.

  • VCAF loans are currently issued at 1% with varying payback terms based on whether the loan is for equipment or a facility. The loan and grant process is simple and fast, and provides a great opportunity for MSFA Member Companies, volunteer ambulance, fire, or rescue companies to modernize their equipment and/or a facility.

General Information – “Who” can help your Company with the VCAF process:

  • Your VCAF Representative. VCAF representatives cover every County in the State of Maryland and are ready to assist your company work through the loan and grant process – they are your company’s liaison to the VCAF committee.

General Information – Plan, Plan, Plan:

  • It is critical that your company talk with their VCAF representative as soon as they are thinking about starting an equipment or facility project.  Lack of planning and VCAF committee involvement can cost your company the opportunity to obtain a VCAF loan and/or grant.

  • Your company must know what they are buying or building and when they plan to take delivery of the equipment or ownership of the facility. The company’s administration should consider beginning the VCAF loan or grant process by:

  1. Establishing a committee to determine the equipment or facility specification – what they want and more importantly what the company really requires to provide adequate fire, EMS and rescue services
  2. Identifying vendors or builders that are qualified to supply or refurbish the equipment, or build/improve the facility
  3. Refining specifications to ensure your company is going to get what they expect and that the vendors/builders can provide “apples-for -apples” proposals, and
  4. Working with the vendors/builders to obtain cost estimates for the equipment or facility to ensure affordability before making a final procurement decision
  • The company administration should also establish a committee or team to take responsibility for developing the company's financial plan, fund raising strategy, etc. necessary to successfully purchase the equipment or build the facility.

  • The company finance team should be prepared to work with their VCAF representative to fulfill the requirement of the VCAF loans and grants process, which has two main components: the application process and the settlement process. The two parts are fairly easy, but do require a focused attention to details.  The following bullets provide information on the application and settlement processes:

  1. The application process begins when the company decided to purchase, replace or improve firefighting and/or rescue equipment or facilities used to house firefighting equipment, and submits a VCAF application to the MSFA/VCAF Committee in accordance with applicable instructions and guidelines.  Your VCAF area representative will assist your company with the application process. The VCAF representative will review the application for completeness and will coordinate your submission with the VCAF Committee Secretary. The VCAF Committee will review your company's application to ensure completeness and compliance with governing Maryland Code and will if acceptable the Committee will obtain MSFA Executive Committee approval and then submit the application to the Maryland Military Department for Maryland State Board of Public Works (Governor, Treasurer and Comptroller) approval.
  2. The settlement process begins after the loan and/or grant application is approved by the Maryland State Board of Public Works. In order to ensure completeness and facilitate timeliness, the company's VCAF Representative will guide the company through the settlement process. The Representative will ensure that all required forms and supporting documents are complete and current prior to submitting them to the Maryland Military Department.

General Information – How to Get Started:

  • The first and most important step in the VCAF loan and grant process is contacting your local VCAF Representative and set up time to discuss the process (Click here to see the Application Questions), timeline and best option(s) for your company.

  • Before applying for a VCAF loan and/or grant, be sure your company has started the planning steps and your company is prepared to buy, build or modify its equipment or facility.  All of the prework, to include identifying requirements, developing the specification and having your request for proposal, from at least 3 vendors, are "on the street".

  • Once your company is ready to start an application, they need to review the Require Documents section to begin the process of gather and/or developing all of the required documents and preparing them as PDF files to upload with the new secure VCAF on-line application form (your VCAF representative can help with this step).

General Information – The VCAF Workflow:


  • Settlement information above is specific to Equipment and assume purchase, such as an Engine, that takes nearly 12 months from order (normally after VCAF loan approval) to delivery.
  • Equipment loans and grants can be processes much quicker when Equipment is readily available – process is the same, just the timelines change dramatically.
  • Facility loans follow the Equipment application process, however the Facility settlement process requires different documentation.  The VCAF Secretary works directly with the MD Attorney General Office, the Area Representative and the Company representative to ensure the correct documentation is provided to the Attorney General Office.

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Recruitment and Retention Grant

Scholarship Grant Form

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