Flexible Financing to Fit Your Community’s Needs
Financing solutions you can trust.
Unlike for-profit solar companies, Energy Resilience Fund loan fund offers practical proposals with realistic savings estimates and works closely with affordable housing providers, municipal authorities, nonprofits, and health clinics to ensure communities see measurable, substantive benefits from clean energy infrastructure.
Our financing options reduce utility costs, stabilize rising and unpredictable energy expenses, and help achieve sustainability and resiliency goals for a brighter future.
What we offer
Energy Resilience Fund financing fills the gap for commercial and community clean energy projects serving multifamily affordable housing, nonprofits, Tribal communities, and low-to-moderate income households while providing ongoing support to partners as they decide how to reduce electricity costs, increase climate resilience, and build capacity through solar education and workforce development.
Short and Long-Term Loans:
Energy Resilience Fund financing is flexible and responsive to the needs of the communities we serve. Our loan options are intended to cover a range of financing needs. Energy Resilience Fund loan products include long-term ‘permanent’ project loans and short-term bridge and/or construction loans at the project and platform level.
We focus on clean energy project servicing low-to-moderate income (LMI) or Tribal communities, with a loan size ranging from $10,000 - $5,000,000 and terms ranging from 12 months to 10 years. Loans may be standard amortizing term loans, non-amortizing term loans with balloon payments, or maturity loans depending on the product best suited to deliver impact to target communities.
Power Purchase Agreements:
Energy Resilience Fund loan fund works with trusted financing partners to provide Power Purchase Agreements (PPAs) and Solar Service Agreements (SSAs) for customers interested in energy savings and delayed project ownership. These financing tools offer the benefits of hassle-free energy savings from day-one, with options for project ownership in future years if desired.
Loan Terms
Term: depends on the incentive
Rate: As low as 3%
Security: Incentives must be assigned to the lender - additional security may be necessary if the incentive amount does not cover the total loan amount
Incentive Secured Bridge Loan
10-year Standard Loan n
Term: up to 10 years
Rate: As low as 3%
Security: May be secured by project equipment, assets, and/or project level revenues (e.g., revenue derived from energy generation or government incentives)
Bridge Loans/ construction financing
Term: up to 18 months
Rate: As low as 3%
Security: May be secured by project equipment, assets, and/or project level revenues (e.g., revenue derived from energy generation or government incentives)
**Loan Terms are subject to change depending on the specific project and deal.
Who we finance
Affordable housing providers
Public housing authorities
Nonprofit community organizations
Tribal communities
Electric cooperatives
What we finance
Rooftop & Groundmount Solar PV
Solar + Storage
Microgrids
EV Charging infrastructure
Community Solar
Eligible Projects: Project must meet one or more of the mission criteria below;
(a) Serve at least 50% of low-to-moderate income households or low-income service providers, such as affordable housing, nonprofits, health clinics, and community centers
(b) Serve Tribal community members or Tribal community facilities
(c) Project will provide substantial workforce development for target communities
Financing Process
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Submit your project for financing through our initial screening intake form. Our team will help you determine whether your project is eligible for financing.
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After an initial screening by Energy Resilience Fund staff for project viability, eligible borrowers will be provided with a preliminary financing proposal which includes the loan term, interest rate, and payment schedule. When available, the proposal will also include a review of financing payments compared to estimated project energy savings to demonstrate the potential net energy savings from the project.
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If a prospective borrower accepts the preliminary financing proposal, Energy Resilience Fund proceeds with diligence and underwriting. Prospective borrowers will be sent a full loan application and due diligence questionnaire which will request information including: development history and financials, project level pro-forma financials, and if applicable draft power purchase agreement, draft lease, EPC contract, and, guarantor or credit enhancement information.
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Energy Resilience Fund staff will review the full loan application and respond to a potential borrower within five business days to confirm receipt or request additional information.
In compliance with the Equal Credit Opportunity Act (ECOA), Energy Resilience Fund will notify an applicant of an offer, denial or counteroffer within 30 days of receipt of the complete loan application.