Energy Loan Program (Missouri)

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Last modified on January 5, 2015.

Financial Incentive Program

Place Missouri

Name Energy Loan Program
Incentive Type State Loan Program
Applicable Sector Schools, Local Government, State Government, Institutional, Public and Private Not-For-Profit Hospitals, Public Water and Wastewater Treatment Facilities
Eligible Technologies Lighting, Chillers, Furnaces, Boilers, Heat pumps, Central Air conditioners, Programmable Thermostats, Building Insulation, Windows, Motors, Custom/Others pending approval, CHP/Cogeneration, Passive Solar Space Heat, Solar Water Heat, Solar Space Heat, Photovoltaics, Wind, Biomass
Active Incentive Yes

Implementing Sector State/Territory
Energy Category Renewable Energy Incentive Programs, Energy Efficiency Incentive Programs

Start Date 1989

Funding Source Petroleum Violation Escrow (PVE) Funds

Program Administrator Missouri Department of Economic Development
Date added to DSIRE 2000-01-01
Last DSIRE Review 2014-07-14

References DSIRE[1]


Note: The Division of Energy is now accepting applications for the FY2015 program. Applications are due October 31, 2014.

The Missouri Energy Loan Program, administered by the Division of Energy in the Missouri Department of Economic Development (DED), is available for energy efficiency and renewable energy projects for public and governmental buildings and structures. Eligible recipients include public schools (K-12), public/private colleges and universities, city/county governments, public water and wastewater treatment facilities, and public/private non-profit hospitals.

Loan amounts are based on projected energy savings from energy efficiency upgrades, which result in monetary savings that are used to repay the loan. For Fiscal Year (FY) 2015 (July 2014 – October 2014), financing is set at a 2.5% interest rate and 1% loan origination fee. Repayment schedules are determined on an individual project basis, but not to exceed 10 years. Loans under this program are determined on a competitive basis according to payback period.

In FY2014, $5,000,000 in loan funding was available, and in FY2015, $7,500,000 in loan funding is available. Loans are available in amounts from $5,000 to $1,500,000 per applicant. As funds remain after review and priority ranking of applications, the department has considered awarding loans in excess of $1,500,000.


The Missouri Department of Economic Development’s Division of Energy has provided the energy loans from petroleum violation escrow funds and bonds since 1989. Since the program's inception, loans totaling over $89 million have been made through this program, resulting in an estimated cumulative savings of $167 million. The interest rates for energy loan financing are generally lower than the market interest rates. Loan recipients repay the loans with money saved on energy costs as a result of implementing energy efficiency and renewable energy projects. An energy saving loan is not defined as debt for public schools and local governments and therefore does not count against debt limits or require a public vote or bond issuance.

Incentive Contact

Contact Name Energy Loan Program
Department Missouri Department of Economic Development
Division Division of Energy
Address 301 W. High St., Rm 720
Address 2 P.O. Box 1766
Place Jefferson City, Missouri
Zip/Postal Code 65102-0766
Phone (855) 522-2796
Phone 2 (573) 526-7770


Authorities (Please contact the if there are any file problems.)

Authority 1: 640.651 R.S. Mo., et seq.
Date Effective 1989

  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency"