Businesses
Government-funded
$5.5M
per applicant
Loan
Below-market financing
Rolling
No fixed cutoff
Rolling
Apply when you're ready
Moderate
Underwriting required
Long-term, fixed-rate financing for major fixed assets — real estate and equipment — with below-market interest rates structured as a partnership between a bank (50%), SBA/CDC (40%), and borrower (10%).
Do I qualify?
Answer the questions below for a rules-based self-assessment of your fit for this program. This is informational — final determinations are made by the administering agency.
1.Must be a for-profit business with tangible net worth under $20M
2.Average net income must be under $6.5M after taxes for preceding 2 years
3.Project must create or retain one job per $75,000 of SBA debenture
4.Eligible uses: land, buildings, construction, long-lived machinery/equipment
5.Borrower contributes minimum 10%; conventional lender covers 50%; CDC/SBA 40%
IRS · United States
Allows businesses to deduct up to $5.65/sq ft for commercial buildings achieving significant energy savings through improvements to HVAC, lighting, and building envelope systems. IRA expanded the deduction and allowed non-profits and government to allocate it.
LPO · United States
Offers federal loan guarantees for innovative clean energy projects that struggle to access conventional financing. Supports first-of-kind commercial-scale projects in renewable energy, storage, advanced nuclear, and industrial decarbonization.
NCDOR · North Carolina
Provides state income tax credits for investments in renewable energy equipment and energy efficiency improvements for business properties in North Carolina, stackable with federal ITC.