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Hawaii Green Infrastructure Authority — GEMS Loan Program

Hawaii Green Infrastructure Authority (HGIA)HI-GEMSRefreshed 1 month ago
Do I qualify?
Max funding

$1.0M

per applicant

Type

Loan

Below-market financing

Deadline

Rolling

No fixed cutoff

Timing

Rolling

Apply when you're ready

Complexity

Moderate

Underwriting required

About This Program

Provides low-interest on-bill financing for clean energy upgrades at commercial and multifamily properties. Loans are repaid through utility bills, making upgrades accessible without upfront capital.

Key Requirements & Eligibility

  • 1Applicant must be a commercial or multifamily property owner in Hawaii
  • 2Project must include qualifying clean energy or energy efficiency improvements
  • 3Repayment made through HECO utility bill — on-bill financing
  • 4Loan term up to 20 years at below-market rates
  • 5No down payment required; cost tied to property meter

Do I qualify?

Answer the questions below to get an instant self-assessment of your fit for this program. This is informational — final determinations are made by the administering agency.

0 of 5 answered

1.Applicant must be a commercial or multifamily property owner in Hawaii

2.Project must include qualifying clean energy or energy efficiency improvements

3.Repayment made through HECO utility bill — on-bill financing

4.Loan term up to 20 years at below-market rates

5.No down payment required; cost tied to property meter

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