Local Loan Program

From Open Energy Information

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

IncentiveIncentive TypePlaceApplicable SectorEligible TechnologiesActive
Aspen - Solar Power Pioneer Loan Program (Colorado)Local Loan ProgramAspen, Colorado: Energy ResourcesResidentialSolar Water Heat
Photovoltaics
No
Athens-Clarke County - Green Business Revolving Loan Fund (Georgia)Local Loan ProgramGeorgia: Energy ResourcesCommercialAgricultural Equipment
Doors
Processing and Manufacturing Equipment
Windows
Solar Water Heat
Yes
Boulder County - Elevations Energy Loans (Colorado)Local Loan ProgramColorado: Energy ResourcesCommercial
Residential
Clothes Washers
Dishwasher
Refrigerators
Water Heaters
Lighting
Furnaces
Heat pumps
Central Air conditioners
Duct/Air sealing
Building Insulation
Windows
Motors
Solar Water Heat
Photovoltaics
Ground Source Heat Pumps
Yes
Boulder County - EnergySmart Residential Energy Efficiency Loan Program (Colorado)Local Loan ProgramColorado: Energy ResourcesResidentialBoilers
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 ProgramMassachusetts: Energy ResourcesResidentialSolar Water Heat
Photovoltaics
No
City and County of Denver - Elevations Energy Loans (Colorado)Local Loan ProgramColorado: Energy ResourcesCommercial
Residential
Clothes Washers
Dishwasher
Refrigerators
Water Heaters
Lighting
Furnaces
Heat pumps
Central Air conditioners
Duct/Air sealing
Building Insulation
Windows
Motors
Solar Water Heat
Photovoltaics
Ground Source Heat Pumps
Yes
City and County of Honolulu - Solar Loan Program (Hawaii)Local Loan ProgramHawaii: Energy ResourcesResidential
Island of Oahu
Solar Water Heat
Photovoltaics
Yes
City of Detroit - SmartBuildings Detroit Green Fund Loan (Michigan)Local Loan ProgramMichigan: Energy ResourcesCommercial
Local Government
State Government
Multi-Family Residential
Institutional
Lighting
Chillers
Furnaces
Boilers
Heat pumps
Central Air conditioners
Heat recovery
Steam-system upgrades
Caulking/Weather-stripping
Building Insulation
Windows
Doors
Roofs
Custom/Others pending approval
Solar Water Heat
Photovoltaics
Wind
Hydroelectric energy
Ground Source Heat Pumps
Other Distributed Generation Technologies
Yes
City of Indianapolis - EcoHouse ProjectLocal Loan ProgramIndiana: Energy ResourcesLow-Income Residential
Residential
Yes
City of Lauderhill - Revolving Loan Program (Florida)Local Loan ProgramFlorida: Energy ResourcesResidentialClothes Washers
Dishwasher
Refrigerators
Central Air conditioners
Solar Water Heat
Photovoltaics
Yes
City of Madison - Green Madison Business Revolving Loan ProgramLocal Loan ProgramWisconsin: Energy ResourcesCommercialUnspecified technologiesYes
City of Madison - Green Madison Residential Revolving Loan ProgramLocal Loan ProgramWisconsin: Energy ResourcesMulti-Family Residential
Residential
Unspecified technologies
Photovoltaics
Yes
City of Milwaukee - Energy Efficiency (Me2) Business FinancingLocal Loan ProgramWisconsin: Energy ResourcesCommercialBoilers
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 ProgramWisconsin: Energy ResourcesMulti-Family Residential
Residential
Unspecified technologiesYes
City of Milwaukee - Milwaukee Shines Solar Financing (Wisconsin)Local Loan ProgramWisconsin: Energy ResourcesMulti-Family Residential
Residential
Photovoltaics
Solar Water Heat
Yes
City of New Orleans - NOLA Wise Energy Efficiency Loan Program (Louisiana)Local Loan ProgramLouisiana: Energy ResourcesCommercial
Multi-Family Residential
Residential
Comprehensive Measures/Whole BuildingYes
City of Plano - Smart Energy Loan Program (Texas)Local Loan ProgramTexas: Energy ResourcesResidentialClothes Washers
Dishwasher
Refrigerators
Dehumidifiers
Water Heaters
Lighting
Chillers
Furnaces
Heat pumps
Central Air conditioners
Programmable Thermostats
Duct/Air sealing
Building Insulation
Windows
Custom/Others pending approval
Solar Water Heat
Photovoltaics
Wind
Ground Source Heat Pumps
Solar Pool Heating
Yes
City of San Antonio and CPS Energy - City Lights Small Business Energy Efficiency Program (Texas)Local Loan ProgramTexas: Energy ResourcesAgricultural
Commercial
Industrial
Lighting
Lighting Controls/Sensors
LED Exit Signs
No
City of Santa Monica - Solar Santa Monica (California)Local Loan ProgramCalifornia: Energy ResourcesCommercial
Residential
Building Insulation
Caulking/Weather-stripping
Central Air conditioners
Clothes Washers
Custom/Others pending approval
Dishwasher
Doors
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Refrigerators
Water Heaters
Windows
Photovoltaics
Solar Water Heat
No
City of Seattle - Community Power Works Loan Program (Washington)Local Loan ProgramWashington: Energy ResourcesCommercial
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 ProgramLouisiana: Energy ResourcesResidentialBuilding 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 ProgramWisconsin: Energy ResourcesManufacturingBiomass
Anaerobic Digestion
Yes
Eagle, Gunnison, Lake, and Pitkin Counties - Energy Smart Colorado Loan Program (Colorado)Local Loan ProgramColorado: Energy ResourcesResidentialWater Heaters
Furnaces
Boilers
Duct/Air sealing
Building Insulation
Windows
Doors
Solar Water Heat
Photovoltaics
Yes
Greater Cincinnati Energy Alliance - Residential Loan Program (Kentucky)Local Loan ProgramKentucky: Energy ResourcesBoilers
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 ProgramOhio: Energy ResourcesCeiling 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 ProgramOhio: Energy ResourcesCommercial
Residential
Multi-Family Residential
Furnaces
Heat pumps
Central Air conditioners
Building Insulation
Windows
Doors
Siding
Roofs
Passive Solar Space Heat
Solar Water Heat
Photovoltaics
Wind
Daylighting
Yes
Kansas City - EnergyWorks KC (Missouri)Local Loan ProgramMissouri: Energy ResourcesCommercial
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 ProgramPennsylvania: Energy ResourcesResidentialBoilers
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 ProgramOhio: Energy ResourcesCommercial
General Public/Consumer
Industrial
Residential
Biomass
Geothermal Electric
Photovoltaics
Solar Thermal Electric
Wind
No
Maui County - Solar Roofs Initiative Loan Program (Hawaii)Local Loan ProgramHawaii: Energy ResourcesResidentialSolar Water HeatYes
Metropolitan Edison Company SEF Loans (FirstEnergy Territory) (Pennsylvania)Local Loan ProgramPennsylvania: Energy ResourcesCommercial
Industrial
Nonprofit
Schools
Local Government
Metropolitan Edison Territory of FirstEnergy
Passive Solar Space Heat
Solar Water Heat
Solar Space Heat
Solar Thermal Electric
Solar Thermal Process Heat
Photovoltaics
Landfill Gas
Wind
Biomass
Hydroelectric energy
Fuel Cells
Municipal Solid Waste
CHP/Cogeneration
Fuel Cells using Renewable Fuels
Yes
Miami-Dade County - Renovation for Energy Efficiency Loan (REEL) Program (Florida)Local Loan ProgramFlorida: Energy ResourcesCommercial
Industrial
No
Mountain Association for Community Economic Development - Energy Efficient Enterprise Loan Program (Kentucky)Local Loan ProgramKentucky: Energy ResourcesCommercial
Industrial
Nonprofit
Schools
Local Government
Installer/Contractor
Institutional
Clothes Washers
Dishwasher
Refrigerators
Dehumidifiers
Ceiling Fan
Water Heaters
Lighting
Chillers
Furnaces
Boilers
Heat pumps
Central Air conditioners
Compressed air
Caulking/Weather-stripping
Duct/Air sealing
Building Insulation
Windows
Siding
Roofs
Agricultural Equipment
Solar Water Heat
Solar Thermal Electric
Photovoltaics
Wind
Geothermal Electric
Ground Source Heat Pumps
Daylighting
Small Hydroelectric
Renewable Fuels
Ethanol
Methanol
Biodiesel
Yes
Mountain Association for Community Economic Development - Solar Water Heater Loan Program (Kentucky)Local Loan ProgramKentucky: Energy ResourcesCommercial
Residential
Solar Water HeatYes
New Generation Energy - Community Food Service Efficiency Lending Program (Connecticut)Local Loan ProgramConnecticut: Energy ResourcesAgricultural
Commercial
Industrial
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Maine)Local Loan ProgramMaine: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Massachusetts)Local Loan ProgramMassachusetts: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (New Hampshire)Local Loan ProgramNew Hampshire: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Rhode Island)Local Loan ProgramRhode Island: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Food Service Efficiency Lending Program (Vermont)Local Loan ProgramVermont: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Custom/Others pending approval
Refrigerators
No
New Generation Energy - Community Solar Lending Program (Connecticut)Local Loan ProgramConnecticut: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Maine)Local Loan ProgramMaine: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Massachusetts)Local Loan ProgramMassachusetts: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (New Hampshire)Local Loan ProgramNew Hampshire: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Rhode Island)Local Loan ProgramRhode Island: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
New Generation Energy - Community Solar Lending Program (Vermont)Local Loan ProgramVermont: Energy ResourcesAgricultural
Commercial
Industrial
Nonprofit
Schools
Photovoltaics
Solar Water Heat
No
Oklahoma City - Residential Energy Efficiency Loan Program (Oklahoma)Local Loan ProgramOklahoma: Energy ResourcesResidentialBuilding 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 ProgramPennsylvania: Energy ResourcesCommercial
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 ProgramFlorida: Energy ResourcesResidentialBuilding Insulation
Ceiling Fan
Central Air conditioners
Clothes Washers
Dishwasher
Doors
Duct/Air sealing
Furnaces
Heat pumps
Lighting
Refrigerators
Roofs
Water Heaters
Windows
Ground Source Heat Pumps
Solar Water Heat
No
Seacoast Energy Initiative - Energy Efficiency Loan Program (Maine)Local Loan ProgramMaine: Energy ResourcesResidentialBuilding 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 ProgramMissouri: Energy ResourcesResidentialBoilers
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 ProgramFlorida: Energy ResourcesResidentialCentral Air conditioners
Caulking/Weather-stripping
Building Insulation
Windows
Solar Thermal Electric
Photovoltaics
Yes
Sustainable Development Fund Financing Program (PECO Territory) (Pennsylvania)Local Loan ProgramPennsylvania: Energy ResourcesCommercial
Industrial
Nonprofit
Schools
PECO Service Territory
Lighting
Chillers
Boilers
Heat pumps
Central Air conditioners
Comprehensive Measures/Whole Building
Custom/Others pending approval
Passive Solar Space Heat
Solar Water Heat
Solar Space Heat
Solar Thermal Process Heat
Photovoltaics
Landfill Gas
Wind
Biomass
Hydroelectric energy
Fuel Cells
Ground Source Heat Pumps
CHP/Cogeneration
Fuel Cells using Renewable Fuels
Yes
Sustainable Energy Fund (SEF) Loan Program (PPL Territory) (Pennsylvania)Local Loan ProgramPennsylvania: Energy ResourcesCommercial
Industrial
Nonprofit
Schools
Local Government
State Government
Agricultural
Eastern PJM
including PA and parts of NJ
Lighting
Energy Mgmt. Systems/Building Controls
Solar Water Heat
Solar Space Heat
Photovoltaics
Landfill Gas
Wind
Biomass
Hydroelectric energy
Geothermal Electric
Fuel Cells
Ground Source Heat Pumps
CHP/Cogeneration
Fuel Cells using Renewable Fuels
Other Distributed Generation Technologies
Yes
Town of Carrboro - Worthwhile Investments Save Energy (WISE) Homes and Buildings Program (North Carolina)Local Loan ProgramNorth Carolina: Energy ResourcesCommercial
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 ProgramPennsylvania: Energy ResourcesCommercial
Industrial
(West Penn Power Service Territory Only)
Solar Water Heat
Solar Space Heat
Solar Thermal Electric
Solar Thermal Process Heat
Photovoltaics
Landfill Gas
Wind
Biomass
Hydroelectric energy
Fuel Cells
CHP/Cogeneration
Fuel Cells using Renewable Fuels
Other Distributed Generation Technologies
Yes
Whatcom 1000 Solar Rooftop Project (Washington)Local Loan ProgramWashington: Energy ResourcesCommercial
Residential
General Public/Consumer
Nonprofit
Solar Water Heat
Photovoltaics
No

All Loan Programs

References

  1. DSIRE Glossary