One-Stop Efficiency Shop Nonprofit Energy Loan

office building

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

  • Loan amounts up to $25,000.
  • Loan terms up to 5 years.
  • Rate depends on ACH requirement.

Property Eligibility

  • Borrower must be a nonprofit entity exempt from taxes under the 501(c)(3) of the Internal Revenue Code or an entity that leases an eligible facility to a nonprofit entity.
  • Facility must be an existing building occupied in whole or in part by a nonprofit entity to be eligible. 

Current Rates

Subject to change at any time. APR based on loan amount of $25,000. 

*For 2% & 3.5% loan, ACH required.

Rates starting at Term APR as low as Payment example
2% 5 years 2.54% $17.53
2.5% 5 years 3.04% $17.75
3.5% 7 years 3.9% $13.44
4% 7 years 4.4% $13.67

Calculate My Payments

Based on current rates. Qualifications apply.

Loan Details

  • Rates starting at 0% (.052% APR) for loan terms up to 5* years, ACH required, limited time offer.
  • Rates starting at 1% (2.46% APR) for loan terms up to 5* years, ACH not required, limited time offer.
  • Rates starting at 5.5% (5.80% APR) for loan terms up to 10* years, ACH required.
  • Rates starting at 6% (6.30% APR) for loan terms up to 5* years, ACH not required.
  • Closing fees apply.
  • Loan must be secured with a mortgage.

APR based on a loan of $25,000 over 5 years.

  • Lighting technology upgrades.
  • HVAC controls and upgrades.
  • Completed loan application.
  • Articles of Organization, Bylaws, Certificate of Incorporation, Borrowing Resolution.
  • Two years financials and/or tax returns for business.
  • Copy of ID for authorized signor.
  • Copy of the Federal 501(c)(3) Exemption.
  • Written consent from property owner for tenant to do work on the property (if owner is not the loan applicant).
  • Estimate(s) for the proposed work to be done.

This project was made possible by a grant from the U.S. Department of Energy and the Minnesota Department of Commerce through the American Recovery and Reinvestment Act of 2009 (ARRA).


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We are here to help. 

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


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