Septic Replacement Loan Program: Authorized Septic Installation Contractor Information

Michigan Saves and the Michigan Department of Environment, Great Lakes, and Energy have created the Septic Replacement Loan Program (SRLP) to help Michigan homeowners replace their failing or near-failing septic systems or connect to municipal sewer. This program offers homeowners the option of two loan tiers through a Michigan Saves lending partner. Any systems funded through the SRLP must be installed by a Michigan Saves authorized septic installation contractor. Help homeowners in your area and expand your business by becoming an authorized contractor today.

This page provides information on how to become a Michigan Saves authorized septic installation contractor and downloadable contractor resources. For program details and information for homeowners, visit the Septic Replacement Loan Program page.

Upcoming SRLP Contractor Virtual Training

Tuesday, December 2, 2025 at 9:00 a.m. EST on Zoom. Register here. This training is strongly recommended for all new contractors who joined the SRLP this year. Attending a virtual training is required to become a Michigan Saves authorized septic contractor if you are not yet authorized.

Authorized Contractor Resources and Forms

Become an Authorized Septic Installation Contractor Flyer

SRLP Customer Flyer

Program Minimum Standards

Septic Tank Pump Record Form

SRLP Certificate of Completion

SRLP Contractor Steps (NGEN Guide)

Failed System Data Collection Form (for LHD use)

SRLP Permit Addendum (for LHD use)

How to Become a Michigan Saves Authorized Septic Installation Contractor

1. Review the Michigan Saves authorized septic installation contractor requirements.

All contractors must meet the minimum qualifications described below and provide the appropriate documentation to be considered by Michigan Saves for the Septic Replacement Loan Program.

Business Organization and Insurance
State of Michigan business license	Corporations and LLCs must be registered and in good standing with the State of Michigan Corporations Division (sole proprietors and limited liability partnerships do not have to register their business with the State of Michigan)
General liability insurance coverage	Minimum of $1 million per occurrence and $1 million aggregate
Workers’ compensation or self-insurance coverage	Minimum of $100,000 each accident and $500,000 policy limit
License or Registration
License or registration	As applicable, septic system installers must be licensed, certified, or registered by the local health department or local public service/works department or sewer authority with jurisdiction over the counties in which they operate
Disciplinary Actions
Disciplinary action status	Must not have received disciplinary action from or been removed or deregistered by a local health department or local public service/works department or sewer authority
Training and Education
Michigan Saves contractor training	Complete online Michigan Saves contractor training modules for the Septic Replacement Loan Program before submitting application
Signature Agreement
Michigan Saves contractor agreement	Read and agree to the terms and conditions of the Michigan Saves septic contractor agreement and the Michigan Saves Septic Replacement Loan Program implementation guide
Application Fee
Contractor application fee	There is a $50 contractor application fee to become a Michigan Saves authorized contractor

2. Complete your contractor application through NGEN.

To begin your application, go to NGEN (you can also access NGEN through the login link in the upper right-hand corner of the Michigan Saves home page) and click “New Contractor? Sign up here.” Fill out all the required fields in the application form, and complete the required contractor training modules. See these instructions for a walkthrough of the application.

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