Local Loan Program

Jump to: navigation, search

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. [1]


Local Loan Program Incentives

Incentive Incentive Type Place Applicable Sector Eligible Technologies Active
Aspen - Solar Power Pioneer Loan Program (Colorado) Local Loan Program Aspen, Colorado Residential Solar Water Heat
Photovoltaics
No
Athens-Clarke County - Green Business Revolving Loan Fund (Georgia) Local Loan Program Georgia Commercial Agricultural Equipment
Doors
Processing and Manufacturing Equipment
Windows
Solar Water Heat
Yes
Boulder County - Elevations Energy Loans (Colorado) Local Loan Program Colorado Commercial
Residential
Building Insulation
Central Air conditioners
Clothes Washers
Dishwasher
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Motors
Refrigerators
Water Heaters
Windows
Photovoltaics
Solar Water Heat
Ground Source Heat Pumps
Yes
Boulder County - EnergySmart Residential Energy Efficiency Loan Program (Colorado) Local Loan Program Colorado Residential Boilers
Building Insulation
Clothes Washers
Dishwasher
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Refrigerators
Water Heaters
No
Cape & Islands Self-Reliance Corporation - Home Energy Loan Program (Massachusetts) Local Loan Program Massachusetts Residential Solar Water Heat
Photovoltaics
No
City and County of Denver - Elevations Energy Loans (Colorado) Local Loan Program Colorado Commercial
Residential
Building Insulation
Central Air conditioners
Clothes Washers
Dishwasher
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Motors
Refrigerators
Water Heaters
Windows
Photovoltaics
Solar Water Heat
Ground Source Heat Pumps
Yes
City and County of Honolulu - Solar Loan Program (Hawaii) Local Loan Program Hawaii Residential
Island of Oahu
Solar Water Heat
Photovoltaics
Yes
City of Detroit - SmartBuildings Detroit Green Fund Loan (Michigan) Local Loan Program Michigan Commercial
Institutional
Local Government
Multi-Family Residential
State Government
Boilers
Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Chillers
Custom/Others pending approval
Furnaces
Heat pumps
Heat recovery
Lighting
Roofs
Steam-system upgrades
Windows
Ground Source Heat Pumps
Other Distributed Generation Technologies
Photovoltaics
Solar Water Heat
Hydroelectric energy
Wind
Doors
Yes
City of Indianapolis - EcoHouse Project Local Loan Program Indiana Low-Income Residential
Residential
Yes
City of Lauderhill - Revolving Loan Program (Florida) Local Loan Program Florida Residential Central Air conditioners
Clothes Washers
Dishwasher
Refrigerators
Photovoltaics
Solar Water Heat
Yes
City of Madison - Green Madison Business Revolving Loan Program Local Loan Program Wisconsin Commercial Unspecified technologies Yes
City of Madison - Green Madison Residential Revolving Loan Program Local Loan Program Wisconsin Multi-Family Residential
Residential
Unspecified technologies
Photovoltaics
Yes
City of Milwaukee - Energy Efficiency (Me2) Business Financing Local Loan Program Wisconsin Commercial Boilers
Central Air conditioners
Chillers
Clothes Washers
Comprehensive Measures/Whole Building
Custom/Others pending approval
Furnaces
Heat pumps
Lighting
Refrigerators
Whole House Fans
Commercial Refrigeration Equipment
Unspecified technologies
Yes
City of Milwaukee - Energy Efficiency (Me2) Revolving Loan Program (Wisconsin) Local Loan Program Wisconsin Multi-Family Residential
Residential
Unspecified technologies Yes
City of Milwaukee - Milwaukee Shines Solar Financing (Wisconsin) Local Loan Program Wisconsin Multi-Family Residential
Residential
Photovoltaics
Solar Water Heat
Yes
City of New Orleans - NOLA Wise Energy Efficiency Loan Program (Louisiana) Local Loan Program Louisiana Commercial
Multi-Family Residential
Residential
Comprehensive Measures/Whole Building Yes
City of Plano - Smart Energy Loan Program (Texas) Local Loan Program Texas Residential Building Insulation
Central Air conditioners
Chillers
Clothes Washers
Custom/Others pending approval
Dehumidifiers
Dishwasher
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Programmable Thermostats
Refrigerators
Water Heaters
Windows
Ground Source Heat Pumps
Photovoltaics
Solar Pool Heating
Solar Water Heat
Wind
Yes
City of San Antonio and CPS Energy - City Lights Small Business Energy Efficiency Program (Texas) Local Loan Program Texas Agricultural
Commercial
Industrial
Lighting
Lighting Controls/Sensors
LED Exit Signs
No
City of Santa Monica - Solar Santa Monica (California) Local Loan Program California Commercial
Residential
Building Insulation
Caulking/Weather-stripping
Doors
Duct/Air sealing
Lighting
Photovoltaics
Solar Water Heat
Central Air conditioners
Clothes Washers
Custom/Others pending approval
Dishwasher
Furnaces
Heat pumps
Refrigerators
Water Heaters
Windows
No
City of Seattle - Community Power Works Loan Program (Washington) Local Loan Program Washington Commercial
Residential
Building Insulation
Duct/Air sealing
Furnaces
Heat pumps
Water Heaters
Windows
Unspecified technologies
Yes
City of Shreveport – Shreveport Energy Efficiency Program (SEED) (Louisiana) Local Loan Program Louisiana Residential Building Insulation
Central Air conditioners
Comprehensive Measures/Whole Building
Duct/Air sealing
Heat pumps
Lighting
Windows
Yes
Clean Energy Manufacturing Revolving Loan Fund (Wisconsin) Local Loan Program Wisconsin Manufacturing Biomass
Anaerobic Digestion
Yes
Eagle, Gunnison, Lake, and Pitkin Counties - Energy Smart Colorado Loan Program (Colorado) Local Loan Program Colorado Residential Boilers
Building Insulation
Doors
Furnaces
Water Heaters
Windows
Duct/Air sealing
Solar Water Heat
Photovoltaics
Yes
Greater Cincinnati Energy Alliance - Residential Loan Program (Kentucky) Local Loan Program Kentucky Boilers
Building Insulation
Central Air conditioners
Clothes Washers
Dehumidifiers
Dishwasher
Doors
Duct/Air sealing
Equipment Insulation
Furnaces
Heat pumps
Lighting
Lighting Controls/Sensors
Programmable Thermostats
Refrigerators
Water Heaters
Windows
Solar Water Heat
Yes
Greater Cincinnati Energy Alliance - Residential Loan Program (Ohio) Local Loan Program Ohio Ceiling Fan
Central Air conditioners
Clothes Washers
Dehumidifiers
Dishwasher
Duct/Air sealing
Heat pumps
Lighting
Programmable Thermostats
Refrigerators
Water Heaters
Windows
Solar Water Heat
Yes
Hamilton County - Home Improvement Program (Ohio) Local Loan Program Ohio Commercial
Multi-Family Residential
Residential
Building Insulation
Central Air conditioners
Doors
Furnaces
Heat pumps
Roofs
Siding
Windows
Daylighting
Passive Solar Space Heat
Photovoltaics
Solar Water Heat
Wind
Yes
Kansas City - EnergyWorks KC (Missouri) Local Loan Program Missouri Commercial
Multi-Family Residential
Nonprofit
Schools
Building Insulation
Central Air conditioners
Furnaces
Heat pumps
Water Heaters
Yes
Keystone HELP - EnergyWorks Efficiency Loan Program (Pennsylvania) Local Loan Program Pennsylvania Residential Boilers
Building Insulation
Ceiling Fan
Central Air conditioners
Clothes Washers
Comprehensive Measures/Whole Building
Dishwasher
Doors
Duct/Air sealing
Furnaces
Heat pumps
Heat recovery
Programmable Thermostats
Refrigerators
Roofs
Water Heaters
Windows
Yes
Local Option - Municipal Alternative Energy Revolving Loan Program (Ohio) Local Loan Program Ohio Commercial
General Public/Consumer
Industrial
Residential
Biomass
Geothermal Electric
Photovoltaics
Solar Thermal Electric
Wind
No
Maui County - Solar Roofs Initiative Loan Program (Hawaii) Local Loan Program Hawaii Residential Solar Water Heat Yes
Metropolitan Edison Company SEF Loans (FirstEnergy Territory) (Pennsylvania) Local Loan Program Pennsylvania Commercial
Industrial
Local Government
Nonprofit
Schools
Metropolitan Edison Territory of FirstEnergy
Biomass
CHP/Cogeneration
Fuel Cells
Hydroelectric energy
Landfill Gas
Municipal Solid Waste
Passive Solar Space Heat
Photovoltaics
Solar Space Heat
Solar Thermal Electric
Solar Thermal Process Heat
Solar Water Heat
Wind
Fuel Cells using Renewable Fuels
Yes
Miami-Dade County - Renovation for Energy Efficiency Loan (REEL) Program (Florida) Local Loan Program Florida Commercial
Industrial
No
Mountain Association for Community Economic Development - Energy Efficient Enterprise Loan Program (Kentucky) Local Loan Program Kentucky Commercial
Industrial
Installer/Contractor
Institutional
Local Government
Nonprofit
Schools
Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Chillers
Duct/Air sealing
Heat pumps
Lighting
Siding
Water Heaters
Windows
Biodiesel
Daylighting
Ethanol
Geothermal Electric
Ground Source Heat Pumps
Methanol
Photovoltaics
Renewable Fuels
Small Hydroelectric
Solar Thermal Electric
Solar Water Heat
Agricultural Equipment
Boilers
Ceiling Fan
Clothes Washers
Compressed air
Dehumidifiers
Dishwasher
Furnaces
Refrigerators
Roofs
Wind
Yes
Mountain Association for Community Economic Development - Solar Water Heater Loan Program (Kentucky) Local Loan Program Kentucky Commercial
Residential
Solar Water Heat Yes
New Generation Energy - Community Food Service Efficiency Lending Program (Connecticut) Local Loan Program Connecticut Agricultural
Commercial
Industrial
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Maine) Local Loan Program Maine Agricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Massachusetts) Local Loan Program Massachusetts Agricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (New Hampshire) Local Loan Program New Hampshire Agricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Rhode Island) Local Loan Program Rhode Island Agricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Vermont) Local Loan Program Vermont Agricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Solar Lending Program (Connecticut) Local Loan Program Connecticut Agricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Maine) Local Loan Program Maine Agricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Massachusetts) Local Loan Program Massachusetts Agricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (New Hampshire) Local Loan Program New Hampshire Agricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Rhode Island) Local Loan Program Rhode Island Agricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Vermont) Local Loan Program Vermont Agricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
Oklahoma City - Residential Energy Efficiency Loan Program (Oklahoma) Local Loan Program Oklahoma Residential Building Insulation
Ceiling Fan
Central Air conditioners
Clothes Washers
Compressed air
Dehumidifiers
Dishwasher
Doors
Duct/Air sealing
Furnaces
Heat pumps
Programmable Thermostats
Refrigerators
Roofs
Water Heaters
Windows
Yes
Penelec SEF of the Community Foundation for the Alleghenies Loan Program (FirstEnergy Territory) (Pennsylvania) Local Loan Program Pennsylvania Commercial
Industrial
Local Government
Nonprofit
Schools
Penelec Service Territory of FirstEnergy (No Residential Grants)
Biomass
CHP/Cogeneration
Fuel Cells
Hydroelectric energy
Landfill Gas
Passive Solar Space Heat
Photovoltaics
Solar Space Heat
Solar Thermal Electric
Solar Thermal Process Heat
Solar Water Heat
Energy Storage
Wind
Fuel Cells using Renewable Fuels
Yes
Sarasota County - Get Energy Smart Retrofit Loan Program (Florida) Local Loan Program Florida Residential Building Insulation
Ceiling Fan
Central Air conditioners
Clothes Washers
Dishwasher
Doors
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Refrigerators
Roofs
Water Heaters
Windows
Solar Water Heat
Ground Source Heat Pumps
No
Seacoast Energy Initiative - Energy Efficiency Loan Program (Maine) Local Loan Program Maine Residential Building Insulation
Caulking/Weather-stripping
Duct/Air sealing
Energy Mgmt. Systems/Building Controls
Programmable Thermostats
Solar Water Heat
Yes
St. Louis County - Residential Energy Efficiency Loan Program (Missouri) Local Loan Program Missouri Residential Boilers
Building Insulation
Central Air conditioners
Doors
Duct/Air sealing
Equipment Insulation
Furnaces
Heat pumps
Lighting
Motors
Programmable Thermostats
Roofs
Water Heaters
Windows
Yes
St. Lucie County - Solar and Energy Loan Fund (SELF) (Florida) Local Loan Program Florida Residential Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Windows
Photovoltaics
Solar Thermal Electric
Yes
Sustainable Development Fund Financing Program (PECO Territory) (Pennsylvania) Local Loan Program Pennsylvania Commercial
Industrial
Nonprofit
Schools
PECO Service Territory
Boilers
Central Air conditioners
Chillers
Comprehensive Measures/Whole Building
Custom/Others pending approval
Heat pumps
Lighting
Biomass
CHP/Cogeneration
Fuel Cells
Ground Source Heat Pumps
Hydroelectric energy
Landfill Gas
Passive Solar Space Heat
Photovoltaics
Solar Space Heat
Solar Thermal Process Heat
Solar Water Heat
Wind
Fuel Cells using Renewable Fuels
Yes
Sustainable Energy Fund (SEF) Loan Program (PPL Territory) (Pennsylvania) Local Loan Program Pennsylvania Agricultural
Commercial
Industrial
Local Government
Nonprofit
Schools
State Government
Eastern PJM
including PA and parts of NJ
Biomass
CHP/Cogeneration
Fuel Cells
Geothermal Electric
Ground Source Heat Pumps
Hydroelectric energy
Landfill Gas
Other Distributed Generation Technologies
Photovoltaics
Solar Space Heat
Solar Water Heat
Wind
Lighting
Energy Mgmt. Systems/Building Controls
Fuel Cells using Renewable Fuels
Yes
Town of Carrboro - Worthwhile Investments Save Energy (WISE) Homes and Buildings Program (North Carolina) Local Loan Program North Carolina Commercial
Nonprofit
Building Insulation
Central Air conditioners
Custom/Others pending approval
Heat pumps
Lighting
Lighting Controls/Sensors
Motor VFDs
Motors
Programmable Thermostats
Water Heaters
Photovoltaics
Solar Water Heat
Yes
West Penn Power SEF Commercial Loan Program (Pennsylvania) Local Loan Program Pennsylvania Commercial
Industrial
(West Penn Power Service Territory Only)
Biomass
CHP/Cogeneration
Fuel Cells
Hydroelectric energy
Landfill Gas
Other Distributed Generation Technologies
Photovoltaics
Solar Space Heat
Solar Thermal Electric
Solar Thermal Process Heat
Solar Water Heat
Wind
Fuel Cells using Renewable Fuels
Yes
Whatcom 1000 Solar Rooftop Project (Washington) Local Loan Program Washington Commercial
Residential
General Public/Consumer
Nonprofit
Solar Water Heat
Photovoltaics
No

All Loan Programs

References

  1. DSIRE Glossary