Maryland State Firemen's Association

Future Convention Dates
June 16-22, 2018
June 15-20, 2019
June 20-25, 2020
June 19-24, 2021

Executive Committee Meetings

February 24, 2018
Singerly Fire Company

April 14, 2018
Midland Volunteer Fire Deparment #1

June 17, 2018
Ocean City

June 22, 2018
Ocean City

April 25, 2018
Water Witch Fire Company Pellet/Grill Smoker & Meat Package Raffle
April 24, 2018
Full time BLS position announcement
April 23, 2018
New Market Volunteers to hold All You Can Eat Breakfast Fundraiser
April 22, 2018
Death Announcement: Joseph R. Bachtler
April 18, 2018
View All Announcements

Online Calendar
Next Seven Days
April 26, 2018
Lake Shore VFC Carnival
3921 Mountain Rd- Brumwells Flea Market Lot
April 27, 2018
Big Money Bingo at Mt. Airy VFC
1008 Twin Arch Rd., Mt. Airy, Md. 21771
April 27, 2018
Lake Shore VFC Carnival
3921 Mountain Rd- Brumwells Flea Market Lot
April 27, 2018
Calvert County Volunteer Fire and Rescue Assn
Huntingtown Annual Awards Dinner
April 28, 2018
Chicken BBQ
Chestertown Fire Company
April 28, 2018
Lake Shore VFC Carnival
3921 Mountain Rd- Brumwells Flea Market Lot
April 29, 2018
Quarter Auction for The Fire Brigade Pipes & Drums
Savage Volunteer Fire Company
View All Events

Guidelines Req'd Documents Instructions Apply VCAF Reps
Volunteer Company Assistance Fund Committee

The next application period will open July 1, 2018 for Fire, EMS and Rescue apparatus and equipment loans only - No grants or facility applications

NOTE:  All companies applying for a loan and/or grant MUST have a representative attend the VCAF Committee meeting and MSFA Executive Committee meeting.  Companies that fail to attend either meeting will be disqualified and the company will have to reapply during the next open application period.

Does your company have a need to borrow money to modernize firefighting equipment or the station?

The Maryland State Volunteer Firemen's Association's (MSFA) Volunteer Company Assistance Fund (VCAF) Program is your answer.  The VCAF program is your company's most affordable way to purchase, replace, or improve equipment and/or facilities.  And your VCAF Representative will meet with your company representatives and guide them through the entire process.


Your company must have the following requirements met before starting a VCAF loan and/or grant application:
  1. Have their MSFA dues paid in full and be a MSFA Member Company in Good Standing

  2. Have valid credentials on file with the MSFA

  3. Have a current Articles of Incorporation on file, in good standings with the State of Maryland (no action - MD Military Department will obtain a copy of the certificate for you - click the link to check), and

  4. Have documentation that the company has made a good faith effort to obtain money from its local government; any source of local government funding and Senator Amoss (508) funds.

What is the purpose of the VCAF program?

The purpose of the Volunteer Company Assistance Fund is to ensure adequate fire protection and rescue services in the State of Maryland.

Who administers the VCAF program?

The Fund is jointly administered by the MSFA and the Maryland Military Department (MMD).  The MSFA's VCAF committee reviews and recommends applications, the MSFA Executive committee approves applications for advancement to the Maryland Board of Public Works (Governor, Treasurer and Comptroller) for final approval.  The MMD provides all financial services to include loan and grant settlements, and will issue the VCAF funds.

What Maryland Code provides governance for the VCAF program?

PUBLIC SAFETY TITLE 8 - FIRE AND RESCUE FUNDS, Subtitle 2 - Volunteer Company Assistance Fund

VCAF loans and grants Can Only Be Used for purchasing, replacing, or improving:
  1. Equipment, including elevated equipment, pumpers, tankers, ladder trucks, ambulances, rescue vehicles, or other large equipment used for firefighting and emergency services;

  2. Communications equipment;

  3. Protective equipment, including helmets, turnout coats and pants, boots, eye-shields, gloves, and self-contained respiratory protection units;

  4. Any other equipment necessary to carry out the ordinary functions of supporting firefighting and rescue activities; or

  5. Facilities used to house firefighting equipment, ambulances, and rescue vehicles – new and/or renovated facilities must include:

  • A heated station of adequate size and construction for the housing of equipment
  • A suitable means of receiving an alarm of fire and alerting company membership
  • Meet all requirements and codes of the Federal, State and local jurisdiction, including local association standards
  • Must have sprinkler system in all new facilities and if practical, in renovated facilities
VCAF Loans and Grants Cannot Be Used for:
  1. Purchasing utility vehicles, chief vehicles or other vehicles of similar nature

  2. Construction of any facility that will be used primarily for fund raising activities

  3. Acquisition of land or payments for land

  4. Fees for designing, planning, or preparing of an application or any other cost not directly attributable to the facility construction, or

  5. To refinance an existing debt or other obligation of a volunteer company; or be spent to replace or repair eligible items to the extent that insurance proceeds are available for those purposes. 


  • Three competitive bids must be submitted with your company's application.  If your company is unable to obtain three competitive bids, they must explain in writing as why the bids were unattainable.  Also if your company plans to accept a bid other than the lowest bid, the application narrative must include a written justification as to why the company has selected the higher priced proposal.  The justification should include, but is not limited to, the vendor's record of past performance, the vendor's quality record, positive aspects of vendor integrity, the financial and technical resources of the vendor, and whether a responsive bid was provided.  The justification is a tool for the MSFA to make a financial determination and reserves the right to base a loan and/or grant award on a lower proposal.
  • Loan and grant funds cannot be issued to the company until the equipment is delivered or the facility is complete and the use and occupancy permit is issued.  Your company must plan for this and your VCAF representative can help you synchronize the settlement process with equipment delivery or project completion.  The Marylany Military Department does not current allow construction progress payments.


The VCAF Loan and Grant Application:

Click the following links to see a copy of each page of the VCAF application. The links below will take you to a PDF copy of the application form. The embedded links show on the PDF copy of the form WILL NOT WORK - it is a snapshot of the page. If you would like to see the examples, click the example links shown under the corresponding page.

Please note that ONLY an official online application can be submitted. To open an official online application, you must contact your VCAF Representative.

Quick Tips


New Equipment financing is available for up to 75% of the project's total cost. Loan terms are as follows:

  1. Ladder Trucks - Up to 20 years
  2. Rescue Squads - Up to 20 years
  3. Fire Engines - Up to 20 years.
  4. Tankers - Up to 15 years.
  5. Ambulances/Medic Units - Up to 7 years.
  6. Special Units, Flood Lights, Air Units and Mini Squad - Up to 7 years.
  7. Brush Units - Up to 5 years.
  8. Rescue Tools, SCBA, Turn Out Gear - Up to 5 years

Used Equipment loans terms, in general, follow limits set for new equipment.  However, the MSFA reserves the right to adjust the amount of financing and the loan term on a case by case basis. The committee will use the unit's expected useful service life as a guide.

Equipment Rehab loans are available provided the rehab extends the unit’s useful service life. Percentage of financing will be determined by the MSFA on a case by case basis.  The payback term for equipment rehab is up to 5 years.

Non-qualifying Equipment includes utilities vehicles, chief vehicles and other vehicles of similar nature.

Facility loans are available for purchasing, replacing or improving facilities that are used to house firefighting equipment, ambulances, and rescue vehicles. Facility loan terms are as follows:

  1. Loans are available for up to 75% of the project cost or a maximum loan of $2.5M
  2. The loan term for a Facility loan is up to 30 years


Grants are reserved for companies that have experienced a unique financial situation, which includes:

  1. an act of God or other unforeseen event that substantially impairs the ability of the volunteer company to provide adequate and safe service; or
  2. the volunteer company is unable to maintain the minimum level of performance for adequate and safe service established by standards of the Association because of a demonstrated lack of financial resources

The MSFA allocates $500k per fiscal year for grant awards.  This annual funding serves the entire MSFA company membership and awards are extremely limited.

Should your company qualify for a MSFA VCAF grant, the following conditions apply:

  • Equipment grants shall not exceed 70% of the project's total cost and shall be capped at a maximum award value of $500k
  • Facility grants shall not exceed 50% of the project's total cost and shall be capped at a maximum award value of $500k

Move to Guidelines

Joe Antoszewski

Michael J. Farlow, Esquire
Office of the Attorney

Doyle Cox, P.P.

VCAF Committee Members

Richard DeVore

Anne Arundel
Craig Harman (2018)

Joe Antoszewski (2019)

Calvert/Charles/St. Mary’s
John O. Gatton, Sr. (2019)

Caroline/Kent/Queen Anne's
Peter Lott

Eugene Curfman (2019)

David L. McQuay (2018)

Zachary Coyle

Darren Long (2019)

Prince George's
Frank Underwood (2020)

Donald Ford (2018)

Tim Ganley (2018)

(year) denotes end of term



The Volunteer Trumpet!

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2018 Convention Registration/Required Statistical Entry

Registrations by County

Registrations Alpha


Lighthouse Uniform Bereavement Program

Lighthouse Uniform Bereavement Program


Recruitment and Retention Grant

Scholarship Grant Form

Recruitment & Retention Toolbox

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