Commercial Energy Efficiency Loan Program

The CEE Commercial Energy Efficiency Loan Program provides financing to businesses making cost effective energy efficiency improvements.

Thanks to local partnerships, we offer special programs and incentives for several Minnesota cities and neighborhoods. Call us at 612-335-5884 to make sure you get the best deal for your area.

*Interest rates subject to change

Commercial Energy Efficiency Loan Application (PDF)

Limited time offer for businesses who have worked with the One-Stop Efficiency Shop® program can receive:

  • Rates starting at 1% (1.46% APR) for loan terms up to 5* years

  • $100,000 maximum loan amount

  • Rates staring at 5.5% (5.75% APR) for loan terms up to 10** years

​APR based on a loan of $50,000 over 5* or 10** years

Program Terms for all Minnesota Commercial Properties

  • Rates starting at 5% (5.48% APR) for loan terms up to 5* years

  • Rates starting at 6.5% (6.76% APR) for loans terms up to 10** years 

  • No prepayment penalty

  • $100,000 maximum loan amount

  • Closing costs apply for all loans

  • All loans must be personally guaranteed and/or secured with a mortgage​

APR based on a loan of $50,000 over 5* or 10** years

Eligible Borrowers

A sole proprietorship, partnership, nonprofit, corporation or other business entity which is the owner and/or tenant of an eligible property within the State of Minnesota.

Eligible Property

An existing commercial property located in the State of Minnesota

Eligible Improvements

Improvements including, but not limited to:

  • Lighting technology upgrades

  • HVAC controls and upgrades 

  • Solar photovoltaic systems

  • Refrigeration equipment replacement and upgrades

  • EV charging stations

Loan Documentation Needed to Begin the Application

  • Articles of Organization, Bylaws, Certificate of Incorporation, Borrowing Resolution

  • Two years financials and/or tax returns for business

  • Written consent from property owner for tenant to do work on the property (if owner is not the loan applicant)

  • Estimate(s) for proposed work to be done

*Interest rates subject to change