Federal Loan Program

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Loan programs provide financing for the purchase of renewable energy or energy efficiency systems or equipment. Low-interest or zero-interest loans for energy efficiency projects are a common demand-side management (DSM) strategy for electric utilities. State governments also offer low-interest loans for a broad range of renewable energy and energy efficiency measures. These programs are commonly available to the residential, commercial, industrial, transportation, public and nonprofit sectors. Loan rates and terms vary by program; in some cases, they are determined on an individual project basis. Loan terms are generally 10 years or less. In recent years, the federal government has offered loans for renewables and energy efficiency projects.

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Federal Loan Program Incentives

Incentive Incentive Type Place Applicable Sector Eligible Technologies Active
Clean Renewable Energy Bonds (CREBs) (Federal) Federal Loan Program United States Local Government
Municipal Utility
Rural Electric Cooperative
Schools
State Government
Tribal Government
Anaerobic Digestion
Biomass
Geothermal Electric
Hydroelectric energy
Landfill Gas
Municipal Solid Waste
Ocean Thermal
Photovoltaics
Solar Thermal Electric
Tidal Energy
Wave Energy
Wind
Yes
Energy Star Financing and Mortgages (Federal) Federal Loan Program United States Commercial
Residential
Schools
Local Government
Construction
Utility
State Government
Installer/Contractor
Ground Source Heat Pumps No
Energy-Efficient Mortgages (Federal) Federal Loan Program United States Residential Daylighting
Passive Solar Space Heat
Photovoltaics
Solar Space Heat
Solar Water Heat
Yes
FHA PowerSaver Loan Program (Federal) Federal Loan Program United States Residential
Multi-Family Residential
Water Heaters
Furnaces
Central Air conditioners
Programmable Thermostats
Energy Mgmt. Systems/Building Controls
Caulking/Weather-stripping
Building Insulation
Windows
Doors
Comprehensive Measures/Whole Building
Solar Water Heat
Photovoltaics
Wind
Ground Source Heat Pumps
Yes
HUD Energy Efficient Mortgages (Federal) Federal Loan Program United States Residential Solar Water Heat
Solar Space Heat
Photovoltaics
No
Qualified Energy Conservation Bonds (QECBs) (Federal) Federal Loan Program United States Local Government
State Government
Tribal Government
Anaerobic Digestion
Biomass
Geothermal Electric
Hydroelectric energy
Landfill Gas
Municipal Solid Waste
Ocean Thermal
Photovoltaics
Solar Thermal Electric
Tidal Energy
Wave Energy
Wind
Yes
Small Business Administration Loan Programs (Federal) Federal Loan Program United States Commercial Solar Water Heat
Solar Space Heat
Solar Thermal Electric
Photovoltaics
Wind
Hydroelectric energy
Renewable Transportation Fuels
CHP/Cogeneration
No
Tax-Exempt Financing for Green Buildings, Renewable Energy & Brownfield Redevelopment (Federal) Federal Loan Program United States Commercial
Industrial
Local Government
State Government
Passive Solar Space Heat
Solar Water Heat
Solar Space Heat
Photovoltaics
Fuel Cells
Daylighting
No
U.S. Department of Energy - Loan Guarantee Program (Federal) Federal Loan Program United States Agricultural
Commercial
Industrial
Institutional
Local Government
Nonprofit
Schools
State Government
Any non-federal entity
Manufacturing Facilities
Biodiesel
Daylighting
Fuel Cells
Geothermal Electric
Hydroelectric energy
Ocean Thermal
Photovoltaics
Solar Thermal Electric
Solar Thermal Process Heat
Tidal Energy
Wave Energy
Wind
Biomass
Fuel Cells using Renewable Fuels
Yes
USDA - Biorefinery Assistance Program (Federal) Federal Loan Program United States Agricultural
Commercial
Construction
Fed. Government
Industrial
Institutional
Investor-Owned Utility
Local Government
Municipal Utility
Rural Electric Cooperative
State Government
Tribal Government
Utility
Biodiesel
Biomass
Ethanol
Landfill Gas
Municipal Solid Waste
Yes
USDA - Rural Energy for America Program (REAP) Loan Guarantees (Federal) Federal Loan Program United States Agricultural
Commercial
Anaerobic Digestion
Biomass
CHP/Cogeneration
Fuel Cells using Renewable Fuels
Geothermal Electric
Ground Source Heat Pumps
Hydroelectric energy
Hydrogen
Microturbines
Ocean Thermal
Photovoltaics
Renewable Fuels
Small Hydroelectric
Solar Space Heat
Solar Thermal Electric
Solar Water Heat
Tidal Energy
Wave Energy
Wind
Yes
USDA Rural Housing Service Loans (Federal) Federal Loan Program United States Tribal Government
Rural Electric Cooperative
Solar Thermal Electric
Solar Thermal Process Heat
Photovoltaics
No
Veterans Housing Guaranteed and Insured Loans (Federal) Federal Loan Program United States Residential Equipment Insulation
Heat pumps
Caulking/Weather-stripping
Building Insulation
Windows
Doors
Roofs
Passive Solar Space Heat
Solar Water Heat
Solar Space Heat
No

All Loan Programs

References

  1. DSIRE Glossary