One-Stop Efficiency Shop Commercial Energy Loan

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We provide low interest loans for lighting and HVAC projects completed through the One-Stop Efficiency Shop®.

The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Email or call for complete details. 

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Hablamos Español: 612-335-5856

About the Loan

  • No prepayment penalty.
  • Loan amounts up to $100,000 per organization.
  • Loan terms up to 10 years.

Property Eligibility

  • An eligible borrower is 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.
  • All existing commercial properties located in the State of Minnesota are eligible.

Current Rates

Subject to change at any time. APR based on loan amount of $50,000. 

*For 3.75% & 5.5% loan, ACH required.

Rates starting at Term APR as low as Payment example
3.75% 5 years 4.23% $18.30
4.25% 5 years 4.73% $18.53
5.5% 10 years 5.75% $10.85
6% 10 years 6.26% $11.10

Calculate My Payments

Based on current rates. Qualifications apply.

Loan Details

  • Rates starting at 1% (1.46% APR) for loan terms up to 5* years.
  • $100,000 maximum loan amount (multiple loans are available, but the outstanding balances can not exceed $100,000 per organization).
  • Rates staring at 5.5% (5.75% APR) for loan terms up to 10** years.
  • 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.

  • Lighting technology upgrades
  • HVAC controls and upgrades 
  • 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.
  • Copy of ID for authorized signor.

The current loan terms and conditions stated, including interest rates, do not constitute a commitment to lend or offer to enter into agreement, Such an offer may only be made pursuant to Minnesota Statutes, Section 47.206(3) and (4). 

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We are here to help. 

Contact us and we will find the best loan for you. 


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